vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( 27 minutes ago ) to XXXX I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft.

I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws.

This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, This is an updated statement to supplement my original CFPB complaint ID XXXX against Bank of America regarding a {$5000.00} fraud involving impersonation, unauthorized credit card charges, and serious mishandling by the bank. 

The scam began when I called BoAs official helpline on XX/XX/year>. I was transferred to a woman calling herself XXXX XXXX, Head of Fraud Department ( ID XXXX ). She repeatedly contacted me and coerced me into authorizing what she called a test transaction. Two fraudulent charges of {$2500.00} each were processed to a hotel in XXXX while I was physically in XXXX, XXXX. 

I later contacted the hotel directly. They stated they had no record of any transaction in my name. 

Despite this, BoA : Misclassified the fraud as a billing dispute Denied my claim without disclosing any supporting documents Refused to reclassify the case despite clear evidence of impersonation and deception To make matters worse, I received additional scam calls on XX/XX/year> from XXXX XXXX, ID XXXX using numbers XXXX and XXXX, impersonating BoA and warning of fraud attempts. The voice was the same as XXXX XXXX. I reported this to XXXX, but no action has been taken by BoA. 
Over the past 18 months, I have been issued four replacement cards due to suspicious activity. This reflects serious internal security failures. I now keep all my cards locked and avoid using them due to these threats. 
As a XXXX XXXX  XXXX XXXX with XXXX XXXX XXXX, and with my wife also under treatment for XXXX XXXX, this mishandling has placed our health and peace of mind at serious risk. 

I respectfully request : Immediate reclassification of the incident as fraud/social engineering A full reinvestigation and reversal of the {$5000.00} charge Full disclosure of documents and evidence used to deny my claim Accountability from BoA for failing to prevent further scam attempts Sincerely, XXXX XXXX XXXX XXXX XXXX ) Phone number : XXXX Email : 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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The company is trying to collect {$79.00} that was already paid through another collection agency. XXXX XXXX failed to update their records of a payment of {$79.00} made through XXXX XXXX XXXX on XX/XX/year> as part of a monthly payment plan. I have the the proof, a letter from XXXX showing that my debt has been paid off and a payment history showing the missing payment on XX/XX/year>. I have tried sending this document to IC Systems but have not received any response.

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 2025-06-27 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
Complaint regarding fraudulent account with Consumer Portfolio Service with an account number ending with 1805 on my XXXX  credit report and XXXX refusal to do a proper investigation into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My mortgage servicer, Mr. Cooper, overpaid my XXXX XXXX property taxes, causing an artificial escrow shortage. As a result, they are increasing my monthly mortgage payment by {$620.00} starting XX/XX/XXXX. 

I emailed the correct property tax bill to them on XX/XX/XXXX, and again on XX/XX/XXXX. I also called customer service twice, but the issue remains unresolved. I was sent an incorrect escrow shortage notice, and no action has been taken to fix the error despite my efforts. 

Ive sen a formal Qualified Written Request ( QWR ) under RESPA to their designated address, with documentation proving the overpayment. Mr. Cooper has not corrected the mistake, and I am now at risk of being forced to pay an unjustified and unaffordable mortgage increase on XX/XX/XXXX. 

I am requesting the CFPB to require Mr. Cooper to : Correct my escrow account to reflect the actual tax amount Recalculate my mortgage payment accordingly Provide a written explanation and resolution before XX/XX/XXXX. 

Lastly, Mr Cooper needs to request a refund of the property tax overpayment in the amount of {$1600.00} from the XXXX XXXX treasurers office. 

I have documentation to support my case, including the correct tax bill, emails, and a copy of the QWR. This ongoing error is causing undue financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 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 2025-06-27 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: GA

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. 

XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Account number XXXX has violated my rights. 

XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXX ( XXXX ) has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 



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 finish an 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 of the person knows or has reasonable clause 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 2025-06-27 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report.

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 2025-06-27 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report.

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 2025-06-27 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westside Recovery Services, LLC
State: CA

Complaint narrative:
Reference XXXX Westside recovery services XXXX XXXX XXXX XXXX This is not my debt

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 2025-06-27 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: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( 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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
i originally opened an account with them early last year and then it got closed a day later just like my XXXX XXXX XXXX account or synchrony savings account. however, im unable to apply for a new account. i cant log in to my account as it says its incorrect and when i try to bypass that and get to the screen where it asks for my old account number, it also says its incorrect. calling support did not help as they said they dont have the resources available to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a paid and closed account with XXXX XXXX that continues to appear on my credit report with a negative impact. The account was opened on XX/XX/year>, with an original balance of {$250.00}. I paid the full amount, and the status was updated to " Paid, Closed '' in XX/XX/year>. 

Despite this, the account is still listed in a manner that negatively affects my credit, as it appears in the collections or derogatory section on at least one of my credit reports. I believe this is a misleading and unfair representation of a closed and satisfied account.

I have already contacted the credit bureaus and Affirm to request that the account either be removed or updated to reflect that it is paid with no negative status, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that all credit reporting must be accurate and not misleading.

This inaccurate reporting is harming my credit score, despite my fulfilling my financial obligation. I am asking the CFPB to intervene and ensure that this account is either fully removed from my credit report or corrected to reflect only a neutral or positive status, as it was paid in full and closed nearly XXXX years ago. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding a paid and closed account with XXXX XXXX that continues to appear on my credit report with a negative impact. The account was opened on XX/XX/2022, with an original balance of {$250.00}. I paid the full amount, and the status was updated to " Paid, Closed '' in XX/XX/2022. 

Despite this, the account is still listed in a manner that negatively affects my credit, as it appears in the collections or derogatory section on at least one of my credit reports. I believe this is a misleading and unfair representation of a closed and satisfied account.

I have already contacted the credit bureaus and Affirm to request that the account either be removed or updated to reflect that it is paid with no negative status, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that all credit reporting must be accurate and not misleading.

This inaccurate reporting is harming my credit score, despite my fulfilling my financial obligation. I am asking the CFPB to intervene and ensure that this account is either fully removed from my credit report or corrected to reflect only a neutral or positive status, as it was paid in full and closed nearly XXXX years ago. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX, XXXX XXXX Balance {$45.00} XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance-

Company response to consumer: Closed with non-monetary relief