vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/year> I attempted to get a property Modification for my house at XXXX XXXX XXXX XXXX New Jersey 5 times and the paperwork was mailed back to Bank of America.Bank of America never responded in all 5 cases.At this time I had a second mortgage which I was paying with direct withdrawal.This came out of a Bank of America checking account.Bank of America stopped talking the payments.It is now in collections company name is XXXX XXXXXXXX. This is over 20 years and should be removed from my credit report.Bank of America has violated my constitutional rights under the 5th and the 14th amendments.No person shall be Denied the right of life liberty or property without due process.They never responded to my property Modification for my house 5time.Im a XXXX XXXX XXXX Veteran of the XXXX XXXX XXXX and force to live in a basement because Bank of America has stolen my house.They have also been investigated under the RICO act and have had many class action lawsuits against them.I will contact XXXX to get the information out to the public on how this Bank treats their customers. 
.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, The Bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure each bureau complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, Account # : XXXX. XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, The Bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure each bureau complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, Account # : XXXX. XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB please step in Equifax dispute XXXX XXXX The XXXX  sent shows violation on my credit report, also this account is closed Equifax did not give me the information I requested just stated it belongs to me { EXPLAIN applicable } XXXX XXXX I request the same information on my PDF as I do Equifax complete documentation as requested, CFPB as far as Equifax not answering the dispute you need to deal with them they have been playing games again with consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MO

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I let the cash app customer service agent know I was being charged for something that I didnt purchase. They did a investigation and now I cant get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/year> PHH mortgage paid my Home owners insurance ( {$2800.00} ) from my Escrow account. On XX/XX/year> I made a {$1700.00} payment toward my Escrow shortage and requested an escrow analysis and was told on a RECORDED LINE that it would take 10 days by the agent. On XXXX XXXX PHH mistakenly sent a duplicate payment to my home owners insurance of {$2800.00} again and didnt even notify me of the mistake they made. On XXXX XXXX I made another escrow shortage payment of {$1100.00} and requested a XXXX escrow analysis and assured on a RECORDED LINE by phh agent that the new payment would be effective for my XXXX month payment. I call back exactly XXXX business days for my new escrow analysis and they report that they do not see it on my account. The agent then tells me that my new payment wont take effect until XXXX. I reminds them of the assurance of the agent I spoke with and they stated they would reach out to the escrow team to have it fixed and told that I had to do a skip payment in the meantime time so that the wrong amount wouldnt come out. I called back multiple times for resolution and constantly requested a supervisor and have continuously been given the run around. I called back today XX/XX/XXXX, and was transferred to the escalation team who told me on a RECORDED LINE that nothing is going to change whether I speak with supervisor or not and offered no resolution to the problem or apology for this inconvenience and run around. I do not trust this mortgage company and believe they have no intention of rectifying 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 2025-04-09 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXXXXXX XXXX XXXX ) 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 2025-04-09 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of Fraud that I did not authorize : XXXX. 
XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I had called the company to get a thorough breakdown of the bill. I had not received the final bill and called the company to get a breakdown of the total bill as to understand the amount and the representative stated she could not tell me the details on why I owed the particular amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
All this started back at the end of XX/XX/XXXX. I wanted to transfer my retirement funds from our company account to my IRA account. So, a check was sent from XXXX XXXX ( holder of the XXXX XXXX XXXX retirement plan ) to XXXX XXXX XXXX XXXX XXXX NY ) for transfer to my IRA account at XXXX XXXX ; XXXX XXXX XXXX is the XXXX XXXX XXXX for my IRA account at XXXX XXXX. 
XXXX put the check in their XXXX XXXX for XXXX XXXX who administers my XXXX XXXX accounts ; XXXX realized check XXXX have been stolen when they received notice from their bank about a possible alteration of a check that was in the box with the XXXX XXXX check to XXXX ; XXXX contacted me and asked me to contact XXXX XXXX and have the check cancelled. I contacted XXXX XXXX ( XXXX XXXX XXXX of the pension plan ) and he let XXXX XXXX ( XXXX XXXX XXXX XXXX ) that day. that the XXXX XXXX check needed to be cancelled. However, the check had already been altered and cashed. I am not sure how that happened since I sent XXXX XXXX the note on XX/XX/XXXX and the copy of the cashed check says it was scanned on XX/XX/XXXX by Chase. The check was altered to change the recipient and Chase apparently cashed it without any hold to verify it. It was a {$10000.00} check. XXXX XXXX said they have asked for a replacement and Chase XXXX has denied it. 
XXXX XXXX ( the admin assistant at XXXX XXXX said that XXXX said the box was not tamped with according to XXXX. XXXX reported the theft to the XXXX XXXX NY XXXX department, but so far they have not reported anything. XXXX also reported the theft to the FBI in XXXX XXXX NY ; so far nothing. 
This check was 40 % of my retirement from XXXX XXXX ; I also sent 40 % to XXXX where I also have an IRA account. They notified me approximately 3 days after all this transpired that the funds would be released from that transfer into my account. 

So far nothing has helped in getting my retirement funds recovered. XXXX XXXX says their fraud group contacted Chase again and all Chase said was the request was denied ; no explanation of why the check wasn't held and verified. 
Neither the XXXX nor the FBI has done anything as far as I can tell. Early on, the XXXX XXXX XXXX did tell XXXX they subpoenaed information from Chase, but hey had not responded. 
I am at wits end on how to get my retirement funds recovered. I am XXXX XXXX XXXX and can not recover these funds by working now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/year>

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