vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681i.

According to my most recent credit report, the following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these inquiries, nor did I give permission for anyone to use my credit for any purpose. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a report to a party with a permissible purpose ( such as a credit application I initiated ). Since I did not initiate these applications, these inquiries are impermissible and must be removed. 

Furthermore, under 15 U.S.C. 1681i, I am requesting that you conduct a reinvestigation of these inquiries and delete them from my credit file if you can not verify that they were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was closed without any sort of notification or due process. They said they can not reveal any information. I personally believe this happened because a platform that I was using ( XXXX  ) accidentally took too much money out of my account ( ACH ). These transfers were reversed, Chase flagged it, and closed my account. This is just a guess though and I'm still not sure why it was closed. 

I had pending deposits left on the account and they told me they would send my balance back to me but they have not. It has been well more than a month since they told me that the account was set for closure. They also keep leading me on in some sense since last week, they told me that I was going to be issued a check and it will be sent the same day I called them. This week, they told me the check is still stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Complaint on JP Morgan chase Bank. I noticed money being taken from my account unauthorized through XXXX XXXX. I immediately called chase fraud customer service and reported that i saw money being taken from my account and that my XXXX XXXX was hacked. I have my at and t call log with time immediately calling chase. The calls are recorded so they should have that call from me on XX/XX/year>. The man i spoke to immediately cancelled my debit card which was connected to my XXXX XXXX and ordered me a new debit. I removed the cancelled debit card from XXXX XXXX  and inactivated that account right away as well. He Assured me that transactions were pending and i did good to call right away. I thought by immediately calling my bank when i noticed and telling them they are not authorized and i was hacked and not to approve the charges that they would not have. Well they allowed all charges to be reversed except the {$1300.00}. So me telling them it was not me and i was hacked to as not good enough. XXXX XXXX told them i made the transaction which i did not. Document received from the bank showed what XXXX XXXX sent and an ip address it was done on. Not my ip address or my device id. Apparently i was hacked and they deposited {$110.00} the day prior that i never noticed then next day stole {$1300.00} from me. My bank can clearly see my lack if money in account and spending history. Nothing like this occurred before. Yet they did not take my world and allowed this to go through not protecting the customer. I have a new baby. No father support. No job. And they allowed half of the only money I have to get stolen. The ip address shown from chase bank is not mine. Do i need to go show police and bring that proof to chase? I can not attach all files. It will not allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing the following accounts on my Experian credit report as I believe there are inaccuracies. Please review each item and ensure they are reported correctly. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXXXXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Case No : XXXX, Filed : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX  % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not XXXX % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-03 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had XXXX transactions on using XXXX via the XXXX app on XX/XX/year>. XXXX was for {$15.00}, the second was for {$400.00}. They were sent within minutes of each other to a PayPal account which is a capability the XXXX supports through XXXX. XXXX and PayPal use the same platform and are under the same company " umbrella ''. Both transactions did not show up in the recipient account, and when I contacted XXXX, they said it was an issue that their engineers were working diligently on. Well, both were rent payments, so now my landlord has added additional late fees and XXXX will not provide any other information. I need my {$410.00} put back into my XXXX account or I would like it to reflect on the recipient 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In early 2024, my former Bank of America credit card ( ending XXXX, Ref # XXXX ) was charged off with a balance of {$580.00}. I later paid the full amount in good faith to settle the debt and close the account. Despite that, Bank of America continues to report the account as a charge-off on my credit files with XXXX XXXX, and XXXX 

I have already contacted Bank of America multiple times, including written requests and online support messages, asking them to update the tradeline to reflect paid/closed or remove the derogatory charge-off notation. Their response stated they only correct factual errors but did not re-investigate the reporting accuracy of the status code. 

This continuing charge-off notation misrepresents the accounts true status and is unfairly damaging my credit score and access to credit, even though the debt is fully satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 formally state that I neither authorized nor opened these accounts. They are fraudulent, and I request their deletion and a comprehensive investigation. Documentation supporting my position is attached. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I started school in XXXX of XXXX at XXXX XXXX XXXX. I have been taking courses consistently up until now and will finish XX/XX/XXXX. In the beginning of this year I received a notice that my student loans were back in repayment and when I contacted my school they told me the student loan provider would update this issue. From XXXX until now I have gone back and forth between the school and XXXX getting told it would be corrected in XXXX when the new semester starts or once I submitted all information. I submitted all they ask for and was told they still couldn't correct this issue. This has left me with a dropped credit score of over XXXX points and unable to continue applications for things that required a credit check. This delay also caused my reporting to go to 90 days passed due because I was told to wait and it would be fixed only for it not to be fixed. Now i am back in deferment for the current semester but they refuse to fix for last semester. I've disputed with all XXXX credit unions and multiple disputes with 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I started school in XXXX of XXXX at XXXX XXXX XXXX. I have been taking courses consistently up until now and will finish XX/XX/XXXX. In the beginning of this year I received a notice that my student loans were back in repayment and when I contacted my school they told me the student loan provider would update this issue. From XXXX until now I have gone back and forth between the school and XXXX getting told it would be corrected in XXXX when the new semester starts or once I submitted all information. I submitted all they ask for and was told they still couldn't correct this issue. This has left me with a dropped credit score of over XXXX points and unable to continue applications for things that required a credit check. This delay also caused my reporting to go to 90 days passed due because I was told to wait and it would be fixed only for it not to be fixed. Now i am back in deferment for the current semester but they refuse to fix for last semester. I've disputed with all 3 credit unions and multiple disputes with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; my personal and financial information was improperly accessed and shared without my authorization, in violation of my privacy rights under federal law. Violation of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I do not believe that l owe what they say I owe.

In accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully requested that they provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show l agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
Requested validation letter and did not receive XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 respectfully request that the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$890.00} Inquiries XXXXXXXX XXXX : Date of Inquiry : XX/XX/XXXX Late Payments XXXX XXXXXXXX : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint to formally report a violation of federal and state privacy laws by a mortgage lender ( Amerisave ) or its agent in connection with an employment verification request. Specifically, the lender requested information regarding the number, nature, and medical justification of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  absences and other medical-related leaves since XXXX. This request was made as part of a mortgage underwriting process and directed to my employer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Such a request constitutes an unlawful attempt to obtain protected medical information that falls outside the scope of permissible employment verification. Pursuant to 29 C.F.R. 825.500 ( g ), all records and certifications related to XXXX leave must be maintained as confidential medical records and may not be disclosed to third parties without the employees express written consent. Additionally, under Californias Confidentiality of Medical Information Act ( Cal. Civ. Code 56 et seq. ), employers are prohibited from disclosing any information that directly or indirectly reveals an employees medical condition, treatment, or leave history to non-medical entities. 

The lenders ( Amerisave ) inquiry not only violates these statutory protections but also contradicts the regulatory framework governing mortgage underwriting. Under the Ability-to-Repay Rule ( 12 C.F.R. 1026.43 ), assessment of creditworthiness must be based on verified income, employment status, and financial capacitynot on medical history or protected leave records. 

I request that your agency investigate this matter, issue corrective guidance to the lender involved, and ensure that future employment verification practices strictly comply with federal and state privacy laws. I am prepared to provide documentation of the request and my response, as well as verification of my employment status and income, which were lawfully available and sufficient for underwriting purposes. 

Thank you for your attention to this serious privacy violation and for safeguarding the rights of XXXX and medically protected individuals in financial transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation