vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I do not recognize this debt. The company never provided proof of this debt or responded to any of my request for proof. This is an error and I am requesting for real proof of this debt. I need statements and proof and break downs XX/XX/year> XXXX. Its impacting my credit Portfolios recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
my account was closed and reported to carmax auto finance as paid and closed on XX/XX/XXXX.

The account was reported openXX/XX/XXXX with a balance of XXXX remain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am filing this complaint as a formal demand for immediate human action regarding persistent, inaccurate and unverified hard inquiries that continue to appear on my credit credit maintained by TransUnion, XXXX and Equifax. I have submitted to all three agencies verifiable, factual evidence from my financial institution, XXXX XXXX XXXX XXXX XXXX, which unequivocally confirms that no credit pull was authorized or conducted * on the disputed dates. I have consistently received automated replies from these credit reporting agencies that do NOT have supporting documentation explaining the basis for the continued reporting of these hard inquiries. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXi ( a ) which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item on their credit file. These generic, auto-generated responses lack any explanation or documentation in which would satisfy the legal threshold for a clear and specific evidence based investigation. 

These continued inaccuracies have resulted in erosion of my creditworthiness, impeding my ability to secure financial standing, fair interest rates and denying me equal access to credit opportunities. I have filed a prior complaint with the CFPB, but there has been no resolution or enforcement action to ensure these agencies comply with their legal obligations.

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 2025-05-08 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: TX

Complaint narrative:
I am filing this complaint as a formal demand for immediate human action regarding persistent, inaccurate and unverified hard inquiries that continue to appear on my credit credit maintained by TransUnion, XXXX and Equifax. I have submitted to all three agencies verifiable, factual evidence from my financial institution, XXXX XXXX XXXX XXXX XXXX, which unequivocally confirms that no credit pull was authorized or conducted * on the disputed dates. I have consistently received automated replies from these credit reporting agencies that do NOT have supporting documentation explaining the basis for the continued reporting of these hard inquiries. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXi ( a ) which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item on their credit file. These generic, auto-generated responses lack any explanation or documentation in which would satisfy the legal threshold for a clear and specific evidence based investigation. 

These continued inaccuracies have resulted in erosion of my creditworthiness, impeding my ability to secure financial standing, fair interest rates and denying me equal access to credit opportunities. I have filed a prior complaint with the CFPB, but there has been no resolution or enforcement action to ensure these agencies comply with their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 U.S. CXXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 U.S. CXXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-08 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: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

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 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 2025-05-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Disputed fraudulent accounts with Experian. I informed them that the accounts were fraudulent and that I did not open or authorize accounts. Experian has refused to remove accounts or supply information showing how the accounts were verified. When questioned they informed me they side with what the creditor supplies regardless. XXXX  and XXXX  have determined the accounts are fraudulent and have removed them, but Experian refuses. They refuse to supply me with any proof of actual investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I want the company to remove the inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I had transferred from my Chase Account {$2500.00} to my brother XXXX  new XXXX  account that he had opened online. 

On XX/XX/XXXX, it was transferred back to my account from XXXX  but on XXXX XXXX Chase returned it to XXXX XXXX closed the account on XXXX XXXX XXXX  with a closing adjustment entry because my brother arrived one day late to sign and show verification for the account. The money was never mailed to him despite promises to do so and neither was it returned to my account. XXXX  claims Chase had to take it back and Chase claims they did not get it back. We do not have our money and we have opened claims with both banks numerous times and they have closed it without any resolution of giving the money back to either my account or my brother. 

The same story repeated itself with my other XXXX XXXX. 
On XXXXXXXX XXXX XXXX I had transferred from my Chase account {$2500.00} to my brother As new XXXX  checking account that he had opened online. He had shown up together with our other brother late to sign for verification and On XXXXXXXX XXXX XXXX they closed his account with a closing adjustment entry and havent mailed the money back to him or sent it back to my account where it originated from. 
This is a total of {$5000.00} missing from my account and or my brothers who were the intended recipient. Someone here has committed outright fraud with hiding the money and not giving it back to either them or me. I have copies of all statements and transaction history to prove it and have not gotten anywhere with all the claims I opened with Chase and my brothers with XXXX XXXX. It is our assumption and this was verified with a XXXX XXXX  manager that the money is sitting in a holding account at XXXX XXXX and Chase needs to do a ACH wire trace to take it back. However Chase claims that this was a transfer and they have not cooperated ti take it back even though they were at fault by one transaction where they sent it back after it was requested. 
Please advise as theres no one to talk to thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of a residential real estate transaction by CrossCountry Mortgage, specifically involving loan officer XXXX XXXX XXXX. 

On XX/XX/2025, we closed on a home purchase in XXXX, XXXX, with a sales price of {$190000.00} and a loan amount of {$150000.00}. Throughout the loan process, we were consistently told by the loan officer, both verbally and in writing, that the sellers would receive {$170000.00} in proceeds at closing. This figure was confirmed in the original Closing Disclosure provided before closing and was the basis for our agreement to proceed with the transaction. 

After closing, we were issued a " Post Closing Disclosure '', which showed the actual seller disbursement had been reduced to {$130000.00} ; a discrepancy of {$43000.00} from the originally disclosed and promised amount. This change was never communicated, never authorized, and discovered only after the documents were signed at the title company. 

In addition : Multiple versions of the Closing Disclosure were issued, with different seller credit amounts, most of which were not approved or acknowledged by the buyer or seller. 

The loan officer unilaterally altered material terms ( e.g., seller credits ) and distributed revised disclosures without formal disclosure or consent. 

As a result of these unapproved changes, title insurance has not been issued, and funds have not been disbursed to the seller as of this complaint. 

The transaction is now in limbo and has caused significant financial and legal risk for all parties involved. 

( this transaction has since fell through ) We have already contacted the lender to request an explanation and resolution, but no corrective action has been taken. We believe this constitutes a serious violation of TILA/RESPA disclosure XXXX, as well as potential misrepresentation or deceptive lending practices. 

We are requesting that the CFPB investigate XXXX XXXX  handling of this transaction and take appropriate action to ensure compliance with federal regulations and protect future borrowers from similar misconduct. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
My credit reports with TransUnion, Experian, and Equifax each include a late payment entry for XXXX XXXX  XXXX XXXX ( XXXX ) dated XX/XX/year>, reported with a past due balance of {$0.00}. This entry is not only inaccurate but also a violation of my rights under 15 USC 1666 and 1666 ( b ), which require accurate and timely reporting of account statuses. The ongoing presence of this unvalidated late payment has caused me significant stress, as it unjustly lowers my credit score, impacts my financial opportunities, and creates unnecessary obstacles in my financial journey. The thought that my sensitive financial data may have been mishandled, potentially due to a data breach, further compounds my concerns, as it erodes my confidence in the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I filed a dispute with TransUnion to remove a bankruptcy they have listed on my credit report as the information is inaccurate. They responded to me, that the information they have listed they arw claiming was verified from the court, which obviously isn't true as verified by the court to me, that they dont report to any bureaus. therefore the original response verifying the item with the court was either an error or a lie. And I have a feeling they bought the information from XXXX and the info listed is incorrect by them as well and should be dealt with as well to have it removed. Either way, the reporting requirements do not comply with FCRA Sec. XXXX ( 15 U.S.C. XXXX XXXXXXXX ) and the information must be deleted immediately. Please investigate this matter in order to uphold my rights with TransUnion file XXXX XXXX thank you

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XXXX ) My checking account at M & T bank was compromised and we lost XXXX dollars from XX/XX/XXXX thru XXXX XXXX XXXX ) I found out during an unrelated visit to the bank branch on XX/XX/year> since this person has changed the email address and our preference of how we received our monthly statements XXXX ) The account was closed on XX/XX/year> XXXX XXXX Bank filed the dispute reports on XX/XX/year> for all the transactions XXXX ) A police report was also filed on XX/XX/year> with XXXX XXXX Police Department in Maryland XXXX ) I have reported to FBI, FTC, Credit bureaus, and XXXX XXXX XXXX XXXX XXXX XXXX ) On XX/XX/year> the bank credited our account with XXXXXXXX XXXX  XXXX ) On XX/XX/year> another XXXX dollar was credited XXXX ) We are still out with XXXX dollars XXXX ) I have told repeatedly by the XXXX department XXXX M & T bank that the investigation is ongoing and XXXX take several months XXXX ) My wife and are in our XXXX 's and this was our nest egg for the retirement, so any help or guidance will be greatly appreciated

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 2025-05-08 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: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I am submitting this complaint to request that Equifax update and correct reporting on my XXXX XXXX  account ( Account XXXX. XXXX ). On XX/XX/year>, I called XXXX XXXX  and spoke with them regarding the late payments showing on my credit report. During the call, XXXX confirmed that those late payments were reported in error and that they do not belong to me. XXXX admitted that it was their mistake, and that I was never late on this account. Despite this confirmation, my Equifax credit report still reflects inaccurate late payments on this account. Under the Fair Credit Reporting Act, Equifax is required to follow reasonable procedures to ensure maximum possible accuracy, as outlined in 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information and notify the furnishers. As I did not give any written authorization or consent for this reporting, they also violated 15 U.S.C. 1681b for Permissible Purpose. Since XXXX XXXX  has already admitted that the late payments were mistakenly reported, Equifax should promptly update this account to reflect no late payments and ensure that my report is accurate. I am requesting that Equifax take immediate action to fix this error and REMOVE THE LATE. If this issue is not corrected, I will pursue legal remedies for negligent and willful noncompliance, as defined under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ). This situation is affecting my credit standing, and I expect Equifax to act in accordance with federal law to resolve it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation