vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had XXXX credit cards through Chase bank account - a XXXX XXXX and an XXXX XXXX XXXX- and have had them for a number of years. Recently I became to pay off the balance on both credit cards, an amount of approximately {$15000.00}. I was using a new banking account to do so and set it up through the Chase XXXX portal. I am not able to determine how this happened, but my payment for my XXXX XXXX XXXX went through the new banking account correctly. The payment for my XXXX XXXX card tried to fulfill through my old banking account, which did not have the funds available. Once I was notified of this, I immediately contacted Chase to let them know that there had been an error, quite possibly my own error, and that the payment should be canceled and I would resubmit. During this time, my regular auto-pay minimum payments were still being made. The customer service rep I spoke to stated that she would de-link my old bank account and everything would be fine. The next day I was notified that Chase would auto re-submit the payment. I called again and was told they could not stop it, but not to worry as they only retry once. The next day I received another notification that they were going to auto re-submit the payment. This has now cost me multiple overdraft fees at my old bank. 

I logged into my account today to re-submit the payment through the correct bank account and discovered that Chase had closed both credit card accounts due to " XXXX or more returned payments. '' This is patently absurd. I have been a customer of Chase for years, they have made an extraordinary amount of money off of me in interest, and I immediately attempted to notify them to rectify the error in the first place. Their customer service reps lied to me in each case of contact. I have worked very hard to come from a place of poverty to to a place where my credit score is now the best it's ever been in my life. This closure will now affect the credit score I have worked so hard to raise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I am opting out of any and all authorization to report any information on my consumer report. It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) XXXX right to opt out. A consumer may exercise the right to opt out at any time. The Privacy Act of XXXX4 ( 5 U.S.C. 552a ) is a United States federal law that establishes a XXXX of XXXX XXXX XXXX governing the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 U.S. Code 6805- Enforcement. Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
My personal information was exposed to XXXX data breach and myidentity was stolen and I do not recognize these accountsisted below : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX

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 2025-06-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-06 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:
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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with Equifax, Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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

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 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Hello I have been in a battle with this mortgage and modification due to the home previously not my home address, My mother passed away in 2023 I have resided in Ga since I was XXXX XXXX XXXX I now have XXXX kids I just recently had twins XX/XX/XXXX Once My mom passed I temporarily moved to NC to handle any loose ties for my mom, But that became a issue due to a court order I have with my first child dad. I couldnt afford any legal issues as I was pregnant with my son when My mom passed I had just gave birth to my third child I had a lot going on following her passing I have done all that I was told to do but I fell behind I have a sister that was told by estate legal that she would be responsible for half and she left the property abandoned it and I was left to figure it out. she sent me an email signed stating she wanted nothing to do with property I tried renting the place out because I was told I could after the a year to keep payments going in anyway I could but when they denied the loan modification The tenants got notice of foreclosure and assumed i was scamming them and they stop making payments immediately. I made the necessary steps to get them out the home. I have since Tried to plan to move to NC if I have to once my twins were born in request to get modification for my mothers property she worked very hard to keep this home and I truly didnt know I needed to reside at the property I was told after denial. I am trying hard I just got a great job and I am willing to lose to save my mothers property.I am seeking help to keep this family heirloom for my children I am raising on my own Please I am doing all I can from GA and I have not missed a beat on whatever the mortgage company ask me to do I have nothing to hide I have been honest and forthcoming with all and any info. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Im reaching out because theres an item on my credit report that I believe is inaccurate and not in line with the Fair Credit Reporting Acts requirement for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I must make it absolutely clear that this complaint is not made in error. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These errors are not just frustratingthey are actively and repeatedly harming me, both personally and financially. The ongoing impact is severe and unacceptable. I am formally requesting that these inaccuracies be fully investigated and, upon verification, corrected or permanently removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX  I opened a XXXX XXXX credit card through Wells Fargo. Last Friday on XX/XX/year> I called Wells Fargo wondering why I just logged into my account and saw that it had been closed. The representative said it was due to my rewards account being closed. I informed the rep that my rewards account wasnt closed. That particular rep saw that my rewards account was still open but couldnt reopen my account so he escalated the concern. The 2nd rep saw the same issue and she had to escalate it to the XXXX office. XXXX or XXXX from the XXXX office called me today XX/XX/year> to tell me the issue is finalized because I closed my rewards account so my credit card account was closed. I let her know that what she was saying was incorrect and the only reason it was escalated to her is because the first two reps I spoke with before her, saw that my rewards account was in fact still open while we were on the call ( last Friday ). She also stated that she doesnt know what two reps I spoke with and if I complained itd go right back to her. She was totally unfair. I was on the phone for hours between XXXX and Wells Fargo. I have {$25.00} on my rewards account that I earned in late XXXX. I had {$430.00} XXXX earned by the statement date of XX/XX/XXXX. Now all of a sudden XXXX doesnt see the rewards I earned during my second statement. They only see what I earned on my first statement. A supervisor confirmed today on a recorded call that my account was and is still open and that if my account had been closed, I wouldve lost the rewards I earned in XXXX. I have been going back and forth since XXXX because my rewards werent syncing properly. Less than XXXX weeks ago, an XXXX rep confirmed that she saw {$420.00} in XXXX XXXX. Now XXXX cant see it since Wells Fargo closed the credit card account. I have had an active XXXX XXXX account since day XXXX and its still active as of now. Wells Fargo doesnt care about consumers at all. I have a recordings of everything Ive said today, starting with XXXX. XXXX did try to help. Thank you CFPB for being here. People please beware.

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 2025-06-06 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} 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 2025-06-07 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: AL

Complaint narrative:
I want to be unequivocalthis complaint is not being submitted in error. My credit report contains inaccurate information that violates the legal requirement for maximum possible accuracy. These errors are inflicting ongoing harm on my financial health and overall well-being. This situation is entirely unacceptable. The burden it has placed on me, particularly during already difficult circumstances, demands immediate and corrective action without delay.

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 2025-06-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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