vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX VA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date XXXX 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My original XXXX mortgage was streamlined through Mr. Cooper ( et al ) around XX/XX/XXXX. The mortgage escrow has been mishandled since Mr. Cooper 's acquisition. The mishandling has resulted in over-payment of cancelled insurance policies in an amount approaching XXXX the acquired policy and attempts to have the account adjusted postponed to future " re-assessment '' periods for the past XXXX years. This postponement was further mishandled resulting in financial XXXX arising from the mismanagement of Mr. Cooper 's Fiduciary responsibility with regard to escrow. The payment on my principal and interest has been supplemented by an additional {$150.00} payment since the purchase of my home in XX/XX/XXXX. Over the XXXX - XXXX years XXXX XXXX has caused an increased of $ XXXX XXXX XXXX monthly to my monthly mortgage. On XX/XX/XXXX I refused to pay the billed amount of over {$2400.00}, making a payment in full on the principal and interest of {$1500.00}. I further requested Mr. Cooper to discontinue escrow of my home-owners insurance which I have arranged to pay directly to XXXX XXXX XXXX I was informed this escrow removal was approved until I made reference to seeking legal assistance in determining the extent of the mishandling of my account. All this was further disreputably handled in that after the disbursements of the XX/XX/XXXX escrow I was repeatedly notified by Mr. Cooper that my home value had been re-assessed at less than one-half the amount refinanced. To date, I have not been able to obtain a clear and complete accounting of my mortgage since its acquisition by Mr. Cooper who has managed to contrive an " escrow shell game '' through the federation and acquisition of escrow management organizations ( Mr. Cooper ( et al ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate XXXX payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
In XX/XX/XXXX I was XXXX  days past due on my XXXX XXXX  card. I received a call from them offering to put me into a program that would reduce my payments to {$12.00} and freeze the interest with no XXXX impact to my credit. I accepted and made the XXXX XXXX XXXX payments on XXXX, XXXX, and XX/XX/XXXX of XXXX eventually paying the card in full in XX/XX/XXXX. Despite both XXXX and Experian having records of these payments as agreed, they have XXXX  my credit by marking me XXXX days past due. Many attempts have been made to rectify the problem over the last several months including sending XXXX a physical copy of my credit report in the mail. Both agencies refuse to cooperate and fix this issue. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code 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 TILA XXXX Code XXXX 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been scammed by Chase Bank here in CoXXXX XXXXXXXX, CO I agreed to open a checking account with them, with a deposit of more than {$1000.00} within a XXXX day period ; and to receive a bonus of {$300.00} for doing this. 
In the month of XXXX, I received a code of numbers and letters online from Chase Bank. I presented this to a personal banker named XXXX XXXX ( or XXXX XXXX XXXX of Chase Bank on XXXX XXXX along with a monetary amount of {$100.00} I was assured the bonus code had been entered into the computer at that time. I am now told, XXXX weeks after the term has been met, by XXXX XXXX, that he didn't enter a code into the computer, or receive XXXX from me. He, and his superior, XXXX XXXX XXXX, are calling me a liar! And this scam isn't appreciated. 
I have another business transaction, payment that is failing due to this inconsiderate action of Chase Bank. 
My debit card number is : XXXX I am in process of suing Chase Bank for XXXX  the bonus amount, as legally allowed by the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EGL US, LLC
State: CA

Complaint narrative:
Company : BMG Money / XXXX XXXX Company Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Product : Installment Loan Issue : Inaccurate Credit Reporting / Deceptive Loan Terms/ Unfair Lending Practices Submitted by : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, CA XXXX Complaint Description : This complaint is against BMG Money, also doing business as XXXX XXXX. 

I am reporting the following issues : FCRA Violations Inaccurate Credit Reporting : BMG Money / XXXX XXXX is furnishing inaccurate information to credit bureaus regarding a charged-off loan. The account may have been sold or transferred, yet they continue to report a balance as if it is active. I submitted a dispute, but they failed to conduct a reasonable investigation or correct the information, violating their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Misleading Loan Structure Deceptive Marketing : The loan was advertised as having optional payroll allotments. However, allotment setup was made a mandatory requirement, contradicting the advertised flexibility. This constitutes a deceptive practice under UDAP ( Unfair and Deceptive Acts and Practices ), and may violate the Truth in Lending Act ( TILA ) due to lack of clear and truthful disclosure.

Failure to Validate Debt : Despite my written requests, BMG / XXXX has not provided proper documentation to validate the account or support continued credit reporting. Their response was a blanket denial of wrongdoing, with no evidence of a good faith investigation. 
Request for Relief : Given the ongoing harm to my creditworthiness and the failure to properly investigate, I respectfully request the temporary removal of this account from all consumer reporting agencies while the matter is under CFPB review. This account is causing damage to my ability to obtain housing and credit.

I also request that BMG Money / XXXX : Provide full account validation and investigation records Accurately correct or permanently delete the tradeline Cease deceptive lending practices tied to mandatory allotments I reserve the right to initiate arbitration or legal action if not resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate XXXX payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I lost my XXXX  card back in XXXX and I received my new one in XXXX. Around The end of XXXX and beginning of XXXX I noticed charges from a different state ( Texas ) from mine ( New Hampshire ). These charges I did not make XXXX example is multiple charges from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute under 15 U.S. Code 1681c-2 Request for Deletion of Fraudulent Accounts and Hard Inquiries To Whom It May Concern : I am writing to formally dispute several accounts and inquiries listed on my TransUnion credit report, which I believe were fraudulently opened or accessed as a result of identity theft. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which provides protections for victims of identity theft.

My personal information was compromised as part of the XXXX data breach, which affected millions of Americans. I believe this breach led to the fraudulent use of my identity. 
Please find below a list of the items I dispute and request to be immediately blocked and removed from my credit report : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged Off XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection Any other accounts reporting late payments, collections, or charge-offs not authorized by me Hard Inquiries to Be Removed : XXXX : Inquiry made XX/XX/XXXX XXXX XXXX XXXX : Inquiry made XX/XX/XXXX XXXXXXXX XXXX : Inquiry made XX/XX/XXXX In accordance with the FCRA, I am requesting the following : Block and remove all fraudulent accounts and inquiries. 


Send me an updated credit report reflecting these deletions. 


Notify all creditors and parties who accessed these disputed items within the past XXXX months. 


Enclosed are the following documents to support my dispute : A copy of my government-issued photo ID A utility bill/bank statement to verify my address FTC Identity Theft Report Please complete this investigation within the time allowed by law and provide written confirmation once these items have been removed. I expect all of the disputed information to be blocked from my report as required by 15 USC 1681c-2 ( a ). 
Sincerely, 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