vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax, Experian, and TransUnion for the continued reporting of XXXX XXXX  records that are not mine. I have disputed these items multiple times with each bureau, and they have responded that the information was validated. 

However, these XXXX  do not belong to me and I have never filed for XXXX. I did not authorize anyone to use my personal information for such filings. The credit bureaus have failed to provide actual proof that these records are mine and have ignored my repeated disputes. 

I believe the bureaus are sourcing this inaccurate information from XXXX or another third-party public records vendor. As you are aware, XXXX  courts do not report directly to the credit bureaus, which means the bureaus can not validate these items with the courts directly. Without proper verification from the original source, these entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy of the information in my file. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to : 1. Delete both XXXX  records from my credit reports immediately.

2. Provide documentation showing exactly how they verified the information, including the name and contact information of the source.

3. Cease and desist from re-reporting these XXXX  unless they can provide certified court records directly linking me to these cases. 

The presence of these false XXXX  is causing me severe financial harm, including loan denials, higher interest rates, and damage to my personal and professional reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Complaint Against : Freedom Mortgage Corporation XXXX of Complaint : Improper handling of mortgage payment / Failure to correct account error / Credit reporting issue Date of Incident : XX/XX/year> Ongoing Loan Servicer Transition : From XXXX XXXX to Freedom Mortgage in XX/XX/year> Complaint Description : Freedom Mortgage took over servicing my home loan from XXXX XXXX in XX/XX/year>. That month, XXXX mortgage payments were withdrawn from my XXXX XXXX  account on XX/XX/XXXX and XX/XX/XXXX. Upon realizing the duplication, I had XXXX cancel XXXX of the XXXX payments on XX/XX/XXXX. XXXX has confirmedand provided documentationthat both payments were successfully processed on their end, and only XXXX was reversed per my instruction. 

However, Freedom Mortgage has only acknowledged the cancelled payment, and their system never recognized the initial payment, even though it cleared my bank account. Since then, Freedom Mortgage has incorrectly marked me as XXXX month behind every month, which is entirely due to an internal processing failure on their end. 

Over the past several months, I have made no fewer than XXXX phone calls to Freedom Mortgage. I have also involved XXXX XXXX on a three-way call with them to validate the payment history. I spoke with an account XXXX named XXXX, who promised follow-up that never happened. I have since left multiple voicemails with no response. 

Because of XXXX XXXX  negligence : My account reflects an inaccurate past-due status. 
My XXXX XXXX has been negatively impacted. 
I am currently ineligible to remove PMI from my loan, which would lower my monthly paymentscosting me unnecessarily every month. 

This issue has been ongoing for nearly a year, and despite extensive attempts to resolve it, Freedom Mortgage has failed to take responsibility or action. 

This is a matter of financial harm and unacceptable customer service. I am requesting that the BBB assist in holding Freedom Mortgage accountable and ensuring they correct this situation without further delay.

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 2025-08-11 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: Chime Financial Inc
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to report a fraudulent transaction that occurred on my Chime account less than 24 hours after it was opened. This situation is deeply concerning, as it indicates a serious breach of account security at a time when no legitimate transactions had even been made by me.

Shortly after activating my Chime account, an unauthorized charge of {$35.00} was withdrawn. I did not initiate or approve this transaction in any way. Upon further investigation, I was able to identify a phone number linked to the individual who committed this fraud. I have strong reason to believe this person may be engaged in illicit activity, including prostitution, based on publicly available information associated with the number and the context of the transaction.

To be clear : The account was newly opened and had no prior activity initiated by me. 

A fraudulent {$35.00} transaction was made without my consent. 

I have the phone number of the suspected thief, which I am prepared to share with Chime security or law enforcement. 

This was an immediate breach of trust and security on a platform I expected to be safe and reliable. 

As the victim of this unauthorized transaction, I am requesting immediate compensation of the stolen {$35.00} and a full investigation into how this individual gained access to make a withdrawal from my account. I would also like steps taken to prevent any further unauthorized activity, including freezing or securing the account until this matter is fully resolved. Also with being a checking account, with any disputes you are supposed to be refunded immediately. 

I am prepared to provide any additional documentation or details required to assist in resolving this issue as quickly as possible. 

Thank you for your immediate attention to this serious matter. I trust Chime will take this issue seriously and act promptly to refund the stolen funds and investigate the source of the breach. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Thief Phone Number : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Sapphire XXXX card through Chase. My first transaction was through a payment portal for a small XXXX  bill. Soon thereafter, they closed my account and charged me {$95.00} for the annual fee when I had not had the card for more than a couple of week when they decided to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
According with the Fair credit report Act convergent XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) has Violeted my XXXX Notice XXXX Violation XXXXXXXX XXXX XXXX XXXX XXXXXXXX Section A States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX Section XXXX, section XXXX it also states a consumer reporting agency can not furnish a account without my witting interaction

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 2025-08-11 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:
Subject : Formal Complaint & Cease and Desist Proof of Debt Demand To Whom It May Concern, Where is the proof of debt with my true, wet-ink signature? I have conducted an audit through the Department of the Treasury and filed both a UCC-1 Financing Statement and a UCC-11 Search , which confirm that there is no debt or lien registered under my name.

There is no valid, original contract agreement binding me to any alleged debt. Without proof of a lawful, executed agreement containing my genuine signature, the alleged debt is not mine.

You have continued to unlawfully sell, share, and profit from my private information in violation of my rights under : Uniform Commercial Code ( UCC ) Administrative Service Codes ( ASC ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 This is an Executor Order : Cease and desist all collection, reporting, and sale of my information immediately. You will be audited again for continued violations.

Be advised : An FTC report has been filed regarding this matter.

This matter has also been reported to the Department of the Treasury. 


Failure to comply will result in further lawful actions, including claims for damages for each violation and notification to appropriate state, federal, and international oversight agencies. 

Respectfully, XXXX : XXXX Executor & Administrator of the Estate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an old ITIN Number that has incorrectly been used as a SSN on my Equifax Credit Report. 
Despite multiple attempts to rectify this with the correct information, they have not done this. 
I have uploaded accurate documentation twice and mailed the same 3 times, yet they claim to have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I dispute the validity of this alleged debt in its entirety and demand that you provide full validation as required by law, including but not limited to : 1. The original signed contract or agreement bearing my signature.

2. A complete itemized accounting of the alleged debt, including principal, interest, and fees.

3. The name and address of the original creditor and proof of your legal right to collect this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that you are licensed to collect in my state, including your license number.

Until such validation is provided, you must : Cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency.

Notify all credit reporting agencies to which you have reported this account that it is disputed, as required by 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Be advised, the following may constitute violations if you fail to comply : Reporting or verifying inaccurate or unvalidated information to a credit reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Failing to mark the account as disputed ( FDCPA 1692e ( 8 ) ).

Continuing collection without providing verification ( FDCPA 1692g ( b ) ).

If you can not produce the requested documents within 30 days, you must delete all references to this account from any credit reporting agencies and cease all collection activity.

Any further reporting of this unvalidated debt will be considered willful noncompliance and I will pursue all available remedies, including statutory damages, attorneys fees, and costs under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 did not apply for or use these accounts. They are fraudulent and should be removed immediately, followed by an investigation. Documentation is provided for your review.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I received a payment from my fianc for {$25.00} to buy my dog some dog vitamins. My account was been frozen with {$460.00} on it along with the {$25.00} that was being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: MT

Complaint narrative:
I talked to a live agent and asked them repeatedly to stop payments Becuase I am in an extreme hardship right now and they said there was absolutely no options including a reschedule date. I even mentioned the electronics funds act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
This is not a mistaken complaint. My credit report contains clear inaccuracies that fall far short of the maximum possible accuracy required by law. These errors are causing ongoing and significant harm to me, both financially and personally. The negative impact is severe, and the urgency to correct this matter can not be overstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I did not authorize or open these accounts and suspect they were fraudulently added. I ask for immediate correction of my credit report and a full investigation. Please refer to the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Final Complaint Letter Westlake Financial Services What happened : I am submitting this complaint due to serious concerns about how my auto loan has been handled by Westlake Financial Services and the distress it has caused me as a disabled consumer.

When I first applied for financing, I was approved at a 15 % interest rate. This was the rate I expected to receive and agreed to move forward with. However, I later discovered that Westlake applied a 28 % interest rate to my loan nearly double what I was initially approved for.

I financed a vehicle for approximately {$8500.00}, and I have already made three on-time payments. Despite these payments, my current balance has increased to {$8600.00}, which is higher than my original loan amount. I have not received a clear explanation for this increase, and I am concerned that payments may not have been properly applied or that undisclosed charges were added.

I have made multiple attempts to contact Westlake Financial by phone and email, but I have not been able to reach a live representative or receive assistance. As a disabled person on a fixed income, this experience has been extremely stressful. I am unable to get answers about my loan, and the emotional toll of being ignored and financially uncertain has been overwhelming. Also I was one day late as my payment was not allowed to process on the due date of Sunday XX/XX/year> I had to make it the next business day on the XXXX. I received a notification from my credit reporting company that I had a alert for negative impact because of this finance company reporting higher amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am disputing a charge off account reported by Experian under the name " XXXX '' I have never had any account, service, or relationship with XXXX. This debt does not belong to me. I have sent written disputes to both XXXX and Experian on three separate occasions, requesting documentation and proof that this account is mine. In every case, I either received no response or vague, evasive replies that failed to provide any supporting evidence. At no point have I been presented with documentation linking me to this alleged debt.

As further proof that this account is inaccurate, both XXXX  and XXXX  have already removed it from my credit report after reviewing my dispute. Experian, however, continues to report this invalid account, causing damage to my credit profile and reputation.

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