vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
I opened a checking account with Current ( XXXX XXXX XXXX ) on XX/XX/year>. I did not open a credit card, I chose what I thought was a debit card. Current, without my authorization, opened a secured credit card and began reporting it to the credit bureaus. I've contacted Current ( XXXX on Current 's XXXX XXXX ) to try to resolve this but they've been no use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
XXXX  on XXXX, XX/XX/XXXX, I initiated a wire transfer from my Chase checking account for {$50000.00}. I followed all instructions in the wire transfer portal on my mobile app, and completed the wire transfer. Chase called me at 7 AM central time on XXXX  morning, asking me to verify a transaction. I did not know for sure that it was Chase and asked them to call me back during business hours. Within XXXX minutes they canceled my wire transfer. I needed that money on the XXXX and was unable to complete the transfer as needed. They then locked my account and I had no access to any of my online banking. I called in on XXXX, XX/XX/XXXX, to unlock my account and after trying to send me a push notification they were unable to do so. They told me to call back in and cover the camera on my phone and try again. I called back in to a different representative who was unable to unlock my account. They told me to complete the wire Transfer all over again and that it should be all set. I waited XXXX hour as instructed tried the wire transfer again, and then was called again by Chase XXXX XXXX. They again were unable to get the push notification to go through. After two attempts, I was unable to wire the {$50000.00} of my money to my other checking account. I was the receiver of the funds as Im moving my account from Chase to XXXX. I believe they are blocking me because Im closing my accounts. They are making this very difficult for me and Id like to take all action possible and penalize this bank for the way Ive been treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Servion, Inc.
State: PA

Complaint narrative:
I applied for mortgage assistance and forbearance with Servion starting in XX/XX/year>. I submitted all documents they requested, including hardship forms and medical statements. In XXXX, Servion told me I was approved for a XXXX forbearance for XXXX, XXXX, and XXXX, with {$10.00} placeholder payments. I was told a forbearance packet would be mailed to me. It never arrived. 

Since then, I have repeatedly emailed Servion requesting the packet, written confirmation of forbearance terms, investor guidelines, and updates on my loss-mitigation review. I also requested written-only communication due to a verified medical condition, but they continued to call me. 

Despite being told my account was in loss mitigation and foreclosure would be paused, Servion continued reporting delinquencies, added late fees, and sent foreclosure notices. This has damaged my credit and increased my financial hardship while I remain out of work with no income. 

Servion has not provided the forbearance documents, has not provided investor guidelines, and has not given a clear decision on my application. Their lack of communication and failure to follow through has directly harmed me and put my home at risk. 

I am requesting immediate CFPB intervention to : 1. Stop negative credit reporting and foreclosure activity during loss-mitigation review. 


2. Require Servion to provide the forbearance packet and investor guidelines. 


3. Ensure Servion honors the forbearance they verbally approved in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
There is information on my credit report from XXXX XXXX XXXX that says I owe them money and they add interest on it every month. I NEVER DID business with that company. 
I have requested that they remove it for 3 years. 
I have written to all 3 credit bureaus and they just write back saying they don't think it was me. Although all my communications have been with certified mail. 
I want to make a complaint about all 3 credit bureaus : XXXX Equifax XXXX  I also want to make a complaint about XXXX XXXX XXXX, whoever they are. 
Here is their contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX I am attaching ONLY A FEW of the letters I send and It was never proved than I owed anything to that company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several entries on my credit reports provided by the credit bureaus. Below are the details of the accounts in question, separated by bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX XXXX, I submitted a request to transfer XXXX Citi ThankYou Points to AA. It has now been 14 days, and the transfer is still pending. 

I chatted with Citi on XXXX XXXX to inquire as to why that transfer is pending when other point transfers were made immediately. They told me to wait 5 days. They also said it would be done automatically. 

I then chatted with Citi on XXXX XXXX because the transfer had still not gone through ( automatically, as described by the chat agent ). They told me to wait XXXX days. This unstandardized waiting game is unprofessional and unhelpful, as that was XXXX XXXX, anyway.

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 2025-11-18 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a FTC Report XXXX, documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

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 2025-11-18 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: OH

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 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 if 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 2025-11-18 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: EQUIFAX, INC.
State: OH

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
THIS ACCOUNT HAS BEEN REPORTED INCORRECTLY AS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-11-18 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:
I recently reviewed my credit report and was shocked to find I had been a victim of identity theft. I do not recognize those accounts. Please remove them from my credit. They are hurting my ability to obtain credit.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from my employer that is {$29000.00}. The next day, my account was locked. I was told it was under a fraud investigation and I complied fully, scanning over all requested documents to prove the check 's legitimacy. 

Crucially, on XX/XX/XXXX, I received a letter from Charles Schwab ( see attachment ) stating that {$6700.00} of my funds would be available on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX. This letter established a contractual commitment from the bank regarding the availability of my money. However, on XX/XX/XXXX, I received a second letter ( see attachment ) stating my account was restricted and I must contact them. I complied immediately, called customer service, and provided all requested documents to prove the check 's validity. 

Despite my full cooperation and their own written commitment to make funds available, the bank never lifted the restriction. Instead, without sending any further written notice, a customer service representative later informed me over the phone that my account was closed. The bank 's actions are a clear breach of their own funds availability policy. They created a binding schedule for my funds and then reneged on it without cause after I had already fulfilled their demands for documentation. 

The representative advised to open a new account and re-deposit the same check. 
Following this incorrect advice, I attempted to deposit the check at XXXX XXXX. There, I was informed by another bank the check was on " Positive Pay, '' meaning the funds had already been presented and captured by another bankCharles Schwab. This proves Charles Schwab successfully pulled the funds from the issuer and has been in possession of my money this entire time when they promised it would be available to me. 

When I called Charles Schwab back to report this, I was told the situation was " normal procedure '' and they could not tell me when I would receive my money. I have made numerous calls and a branch visit, all resulting in misinformation, delays, and zero resolution.

As a direct result of their actions, I am facing severe financial hardship. I am unemployed and this money was for basic survival, including food. I am now unable to buy groceries and am suffering significant emotional and physical distress due to their unlawful withholding of my funds. I demand the immediate release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX {$380.00} XXXX/DOFED $ XXXX {$1000.00} XXXX/DOFED $ XXXX {$1700.00} XXXX/DOFED $ XXXX {$1000.00} XXXX/DOFED $ XXXX {$1700.00} XXXX/DOFED $ XXXX XXXX XXXX/DOFED $ XXXX {$1700.00} XXXX/DOFED $ XXXX {$4000.00} XXXX/DOFED $ XXXX {$1000.00} Unknown - XXXX $ XXXX {$3600.00} 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  - Incorrect Employers XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect previous address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are many credit filings on my credit that I do not recognize.

Company response to consumer: Closed with explanation