vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I moved to XXXX. I tried to wire transfer internationally {$48000.00} from Chase to XXXX XXXX XXXX XXXXXXXX ) on XXXX, XX/XX/XXXX, XXXX. 
Every time I submit a wire transfer, my account gets locked. Then I call the customer service to unlock. Then I submit wire transfer again and the account gets locked again! 
This just keeps repeating forever. It's a endless loop. 

It makes me feel like I can never get my money back from Chase!!! I have money in brokage account as well, I need them to be transferred to Chase, and then to XXXX. 

Now, even worse, even the customer service person can not pull out my profile successfully!! 

There's no chase branch in XXXX. How can I get my money back? I don't have a visa to enter US.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: KS

Complaint narrative:
They called me and stated I owed a debt structured settlement the refuse to talk to me if I record my call and refused documentation that I requested for the debt

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 2025-05-16 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am submitting this follow-up complaint regarding the ongoing inaccuracies associated with the XXXX XXXX XXXX XXXX Account Number : XXXX ) account, which is currently being reported as having a past due balance of {$0.00} on my XXXX, Experian, and XXXX  credit reports. Despite this account being closed, the continued reporting of a past due status is both misleading and inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation of disputed information to ensure the completeness and accuracy of the data being reported. However, despite previous attempts to correct this error, this account continues to reflect an incorrect past due status, which significantly damages my creditworthiness and financial stability. The presence of this erroneous information has not only led to unnecessary financial stress but has also hindered my ability to access favorable credit terms and financial opportunities. 

Given the increasing concerns about data breaches and the potential for unauthorized data exposure, I expect a more diligent and comprehensive approach to verifying the accuracy of my account information. This ongoing error suggests a failure to uphold the basic standards of accurate and fair reporting, further undermining my confidence in the reliability of these credit bureaus.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a member of the XXXXXXXX XXXX and due to military-related life disruptions, XXXX late payments were reported by Navy Federal Credit Union XXXX XX/XX/year> and XX/XX/year> while I had, due to XXXX XXXX no access to a cellphone. I submitted a dispute through both Basic and Advanced Fair Credit Reporting Act ( FCRA ) channels and froze all secondary data sources ( XXXX, XXXX, etc. ). Despite this, Navy Federal still verified the information as accurate without proper evidence.

This appears to be a violation of Section 607 and 611 of the FCRA which requires maximum possible accuracy and proper investigation. 
I am requesting immediate removal of these late payments due to insufficient verification and hardship caused by active military status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-16 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: AL

Complaint narrative:
b'List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.\n\nEQUIFAX\nXXXX 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 XXXXhas violated my rights.\n\nI looked at my XXXX  Equifax Experian credit report on 03/06/2025, 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).\n\nAnd according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information\n(A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(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.\n\nand 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Hello - Today XX/XX/year> I was informed through my credit companies that my credit score went down 1XXXX points. It showed that student loan payments through MOHELA resumed. 

4 accounts each having a balance of the following : {$11000.00} {$3500.00} {$1000.00} {$1700.00} It says these payments are overdue as of XX/XX/year>. 

I never was informed about the continuation of payments in any manner. No one contacted me via email, via phone or via mail to inform me payments would resume. I would like to request that this delinquency/credit report of non payment be removed or retroactively reversed under the on ramp protections and due to lack of proper notice. 

This is a huge hit to my credit as it was XXXX and now showing XXXX range. Resuming paying is not an issue for me to continue. Although not informing me of payments resuming and then dropping my credit almost XXXX points is in my opinion very unfair and unjust, I would say even unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts on my report. These accounts are hurting my ability to obtain credit. Please remove these fraudulent accounts from my report : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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 2025-05-16 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: AZ

Complaint narrative:
I am formally disputing the following unauthorized credit inquiries on my Equifax credit report : XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). These inquiries were not initiated or authorized by me, nor have I conducted any credit transactions that would justify their presence on my report. Under the FCRA, 15 U.S.C. 1681b, it is mandatory for credit reporting agencies to ensure that all reported inquiries are authorized and accurate, which clearly has not been upheld in this case. 

The ongoing presence of these inquiries has significantly harmed my financial reputation, leading to unnecessary financial setbacks and a lower credit score. This is particularly concerning in light of recent findings regarding Equifaxs failure to conduct proper investigations into disputed information, as highlighted by the Consumer Financial Protection Bureau ( CFPB ). Specifically, Equifax has been cited for violating its obligations under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ) for conducting inadequate and incomplete investigations, further eroding my confidence in the accuracy of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: MI

Complaint narrative:
My husband had XXXX XXXX and we fell behind on our mortgage while we waited for XXXX. Our current interest rate is XXXX and we declined modifications because interest rate was XXXX percent or more and made our mortgage payments i crease, we are already on a fixed income. So we applied for the VASP loan last spring g. Midland mortgage took forever to start their processing, not until XXXX did it start. I sent through the app and had marked that our hardship was short term instead of it being resolved. I called midland several times and explained my error, I was reassured it would be taken care of, they even called me at one point to verify. I received a denial I. XXXX due to the hardship not being over, they did not do what they said. I instantly appealed, several weeks later received letters again that we meet all qualifications for VASP we did t need to do anything, they took care of it. I called once or twice a week and was told everything was being sent to va and it takes time for them to respind. I saw that the vasp was ending XX/XX/XXXX so I was really nervous. I called XX/XX/XXXX to Midland and was told information was sent to va on the XXXX and it takes 10 to 15 days for them To get all the information and have the va complete the process, but not to worry because everything sent before XX/XX/XXXX would be accepted, I would be fine. Imagine my surprise that the va heard nothing from midland mortgage and I was being evaluated for another higher interest loan modification. I am beyond furious! I called and spoke to so many people and was lied to and led to believe I was going to be fine, even got a letter that the va was doing a title search on my property so they could finalize my vasp. Furious doesnt even begin to describe me, how can so many people XXXXXXXX XXXX XXXX Every single person I talked to never once led me to believe I wasnt being reviewed for the vasp!

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

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 2025-05-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block and remove 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 a few Personal credit card Accounts. 


ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : DATE OPENED : XXXX XXXX, XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from 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 non-monetary relief