vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
To whom this XXXX concern, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of my account with XXXX XXXX XXXX XXXX. 

This account was settled in full with a final payment made in XX/XX/XXXX. Prior to that, I made a payment in XX/XX/XXXX that was not properly applied to the account. When XXXX XXXX issued the final bill, they failed to reflect that XXXX payment, resulting in an inaccurate balance being reported. 

Despite my efforts to resolve this, XXXX XXXX continues to claim that full payment was not made. This is incorrect. I have documentation showing both the XX/XX/XXXX payment and the final payment in XX/XX/XXXX, which together satisfy the total amount owed. 

The continued reporting of an outstanding balance is false and is negatively impacting my credit. I respectfully request the following : XXXX investigation into the accuracy of this account 's reporting. 

Correction of the account to reflect that it was paid in full and settled in XX/XX/XXXX. 

Removal of any past-due or derogatory marks related to this inaccurate balance. 

Please confirm receipt of this complaint and provide a response or resolution timeline. I am happy to provide supporting documents upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WestGen Lending, a DBA of Beckam Funding
State: TX

Complaint narrative:
The servicer ( Genway Home Mortgage ) servicing date is not accurate or/not consistent with the information that the previous lender ( XXXX ) provided. I closed in XXXX and my first payment wasn't due until XX/XX/year>. I wanted to get ahead on my payment so I made my XXXX payment on XX/XX/XXXX to XXXX, who still held my mortgage at the time. On XXXX XXXX, I received a letter from XXXX stating that my mortgage would transfer to XXXX on the XXXX of XXXX. Since I already paid my XXXX payment in XXXX, I made my XXXX payment to XXXX on XX/XX/XXXX. I've also made my XXXX payment on XX/XX/XXXX. 

From the beginning of my mortgage I've always paid ahead of time. XXXX is inaccurately stating that the transfer of my loan was completed on XX/XX/XXXX. Their argument is that their showing the transfer occurred in XXXX, the payment should have been received by them. This is why they have reported me as 30 days late for the month of XXXX to Credit Bureaus. However, I have confirmed with XXXX via mail and over the phone that the transfer date was XXXX XXXX and shared that information ( additionally a copy of the XXXX letter ) with XXXX. 

During the month of XXXX and XXXX, I was was still receiving billing statements from XXXX, and over the phone XXXX reassured me that they were still my mortgage lender and servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card Account opened at XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account number is different on each bureau Credit Card Account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX the account number is different on each bureau Credit Card Account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account number is different on each bureau which is being inconsistently reported among the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have reached out to XXXX XXXX multiple occasions ( XXXX, XXXX and XX/XX/XXXX all of 2025 ), because I received a letter stating that my account is in collection for a dental bill in which I had never had the work done. They have not been responsive. I then reached out to XXXX XXXX my actual dentist to verify this is a legit debt. XXXX XXXX Stated they haven't conducted business with them in quite some time and that they don't even have access to those records. XXXX XXXX provided me with a statement and there was no debt owed in the time framed questioned or none at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ( 5 ) 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank customer died. On XX/XX/XXXX, trustee of the estate of deceased request to closed all accounts. As per Bank instructions. On XX/XX/XXXX, I mailed, XXXX. XXXX XXXX, XXXX. XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX of XXXX XXXX XXXX. All other Banking institution requested the same information and closed all the accounts without a delay. On XX/XX/XXXX, I mailed a notarized letter to Account XXXX XXXX XXXX as per their request. In XX/XX/XXXX, I called the Bank again to get status update and was told they have all the required documents and was sorry, some how they missed it by accident and would close the account and reimburse the account for all the reoccurring charges against account including bank fees. I called trying to see what else I need to do and everyone they told me to call within the Truist Banking departments only to tell me they can not help me. I'm not sure what happened between we miss/did not close the account when you requested to I can not help you. In XX/XX/XXXX, the account balance, checking {$1200.00}, XXXX {$450.00}. last statement received, checking {$450.00}, savings {$4.00}. This request on XX/XX/XXXX up until now. I believe I exhausted XXXX XXXX possible to resolve this matter. The resolution is to finally closed the accounts and reimburse the account from 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: AZ

Complaint narrative:
In XXXX of 2024, I scheduled a bathroom remodel appointment ( scheduled via XXXX with kiosk personnel ) and a rep from Jacuzzi came to my home. They ran my credit an approved a XXXX interest loan. The next morning, I signed their cancellation form and emailed it to XXXX people from XXXX and Jacuzzi. XXXX confirmed receipt and forwarded it to additional personnel from Jacuzzi and CCd me on that communication. 
Fast forward a year later and I'm applying for a mortgage to purchase a new build and I'm made aware of Green Sky showing up on my credit. I had no idea who they were. I finally figured out it was from the bathroom remodel a YEAR previous. Based on my conversation with a Green Sky employee, I was told the loan had funded to XXXX and they would contact them directly. Green Sky advised me that XXXX refunded the funds and that Green Sky would show the account as paid in full. 
I have started a complaint with XXXX to investigate their relationship with XXXX and I will ask XXXX to investigate their relationship with Green Sky. This is unacceptable. I want an apology letter, compensation for my credit hit and hours and hours spent dealing with this horrible situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear CFPB, I am filing this complaint to report a sophisticated scam that resulted in the loss of {$10000.00} from my Chase bank account and to request any possible assistance or guidance. 

On XX/XX/year>, I received a call from someone claiming to be from the Chase XXXX Department. The caller stated that my account had been compromised and that {$10000.00} had been allegedly wired without my authorization to a Russian bank account. In fear and confusion, I followed the instructions provided by the caller, believing I was cooperating with Chase to protect my funds. 

The scammer instructed me to withdraw cash from my Chase account and deposit it into what they described as a federal protection account. I should mention that the scammer was on call with me from when I left school to the bank and even told me what to say in case the bank teller asked why I was withdrawing that kind of money. She said that some of the Chase employees are being investigated too. As an international student, I complied with everything and withdrew the money. The account she told me to register for and put the money in was a coin hub located at XXXX XXXX XXXX XXXX, XXXX, Indiana, where I registered using my personal information, including my name, Social Security number, phone number, driver 's license, and other personal details. At no point did I understand XXXX or cryptocurrency ; I trusted the callers instructions as if they were from Chase itself and as if this coinhub was safe for my money until my account was investigated. After depositing the money, she told me that she would call the next day to help me withdraw the money so I can use the money. 

Only later did I realize that I had been deceived by a criminal impersonating Chase, and the money was stolen. 

I immediately took the following steps : XXXX Chase XXXX Department to report the scam. 
Filed a police report with XXXX Police Department ( XXXX # XXXX ). 
Filed a complaint with the FBI XXXX XXXX XXXX XXXX ( XXXX ). And also froze my credit. 
As an international student, I also reported to the XXXX XXXX XXXX XXXX. 

I understand that Chase policies generally do not reimburse cash withdrawals. However, I am asking the CFPB to assist by requesting that Chase review my case thoroughly for any possible goodwill relief or partial reimbursement, considering that this was a sophisticated scam where I was deceived by someone impersonating Chase itself. 

This incident has left me financially and emotionally devastated and yet far away from home. I have been a loyal Chase customer, and I value the safety and security the institution provides. I am hoping the CFPB can ensure Chase gives my complaint a formal, careful review and advise on any steps I can take to seek assistance. 

Thank you very much for your attention to this matter. I greatly appreciate any guidance or assistance you can provide. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized charge in the amount of {$420.00} from XXXX XXXX that appears on my XXXX XXXXXXXX XXXX XXXX Credit Card ending in XXXX. I did not authorize or make this purchase. 

It has now been almost XXXX ( XXXX ) years, and despite my multiple attempts to resolve this matter, Citi has neither protected me as a consumer nor reimbursed the disputed funds. Additionally, Citi has failed to provide any proof of the alleged transaction or evidence of my authorization. 

I respectfully request that your office investigate this matter immediately and issue a full refund of the {$420.00}. 

Thank you for your time and cooperation. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-10-21 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 2025-10-21 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The last week in XXXX, 2025 I requested extension of an existing disaster forbearance for 2 months due to loss of income as a result of the natural disaster, XXXX XXXX. Customer service told me to call back in XXXX to make the request. I called back the first week in XXXX, 2025 and made the request under Fannie Mae guidelines for disaster relief for XXXX XXXX. I met all requirements for the extension and have XXXX more eligible months ( XXXX and XXXX, 2025 ). Customer Service said they would process within a week. XXXX weeks later I called and Customer Service advised they were escalating. Monday XX/XX/year> ( now XXXX weeks later ) I spoke again with customer service who again said they would escalate. XX/XX/year> I received a call from customer service that I was denied because the loan is XXXX or more months delinquent. Under federal guidelines for Fannie Mae XXXX XXXX Disaster Relief I am entitled to 12 months forbearance as my income was and is still affected as a result of the disaster. The XXXX and XXXX months are XXXX and XXXX, 2025 and that is what i am requesting-forbearance for those final 2 months. 
Fannie Mae XXXX XXXX Relief Policy : Under XXXX XXXX guidelines for single-family mortgages impacted by a disaster : Homeowners XXXX request mortgage assistance by contacting their mortgage servicer ( the company listed on their mortgage statement ) following a disaster. 
Homeowners affected by a disaster are often eligible to reduce or suspend their mortgage payments for up to 12 months by entering into a forbearance plan with their mortgage servicer. During this temporary reduction or pause in payments, homeowners will not incur late fees, and foreclosure along with other legal proceedings are suspended. 
By rejecting my request Mr.Cooper and Rocket mortgage are violating Fannie Mae and Federal disaster policies for XXXX XXXX. Please immediately rely with confirmation of your rejection of my extension request or with confirmation you are extending the forbearance for the months of XXXX and XXXX, 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am a victim of Identity theft and i would like all account associated with such removed from my profile as it as severely affected me.

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 2025-10-21 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 a victim of Identity theft and i would like all account associated with such removed from my profile as it as severely affected me.

Company response to consumer: Closed with non-monetary relief