vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agenciesExperian, Equifax, and TransUnionfor their blatant negligence and failure to comply with federal law regarding fraudulent and inaccurate information currently displayed on my credit report. I am absolutely furious at the lack of accountability, communication, and disregard for the protections afforded to me under the law. 

Despite having mailed detailed written disputes to each of the credit bureausalong with requests for verification and documentation under 15 U.S. Code 1681i ( Fair Credit Reporting Act - FCRA ) I have not received any responses. The law clearly mandates that credit bureaus must investigate and respond within 30 days of receiving a dispute regarding inaccurate or incomplete information. Not only has this statutory period lapsed, but their silence and inaction constitute a direct violation of my rights. 

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are legally obligated to report accurate information and must correct or delete inaccurate, incomplete, or unverifiable data. The continued reporting of fraudulent accountswithout providing a shred of validation or investigationis not only damaging to my financial standing but also suggests willful non-compliance and systemic misconduct. 

I demand immediate intervention by the CFPB to hold these credit reporting agencies accountable for their failure to act, their non-compliance with federal law, and their role in perpetuating fraudulent and harmful information. These agencies are not above the law, and I will not stand by while my consumer rights are violated and my financial future jeopardized. 

I am requesting a full investigation and oversight into this matter. Attached are copies of my mailed disputes, with dates and tracking confirmation. I am prepared to escalate this further and pursue legal remedies if this issue is not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 am writing to file a formal complaint against the major credit reporting agenciesExperian, Equifax, and TransUnionfor their blatant negligence and failure to comply with federal law regarding fraudulent and inaccurate information currently displayed on my credit report. I am absolutely furious at the lack of accountability, communication, and disregard for the protections afforded to me under the law. 

Despite having mailed detailed written disputes to each of the credit bureausalong with requests for verification and documentation under 15 U.S. Code 1681i ( Fair Credit Reporting Act - FCRA ) I have not received any responses. The law clearly mandates that credit bureaus must investigate and respond within 30 days of receiving a dispute regarding inaccurate or incomplete information. Not only has this statutory period lapsed, but their silence and inaction constitute a direct violation of my rights. 

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are legally obligated to report accurate information and must correct or delete inaccurate, incomplete, or unverifiable data. The continued reporting of fraudulent accountswithout providing a shred of validation or investigationis not only damaging to my financial standing but also suggests willful non-compliance and systemic misconduct. 

I demand immediate intervention by the CFPB to hold these credit reporting agencies accountable for their failure to act, their non-compliance with federal law, and their role in perpetuating fraudulent and harmful information. These agencies are not above the law, and I will not stand by while my consumer rights are violated and my financial future jeopardized. 

I am requesting a full investigation and oversight into this matter. Attached are copies of my mailed disputes, with dates and tracking confirmation. I am prepared to escalate this further and pursue legal remedies if this issue is not resolved promptly.

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 2025-05-06 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: CA

Complaint narrative:
Company falsely reported a debt of {$18000.00} and then when disputed transferred and changed it into a personal loan which violates the law and Tila amongst various others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I woke up to a message on phone of card fraud on my debit card. I checked bank and they had done 2 withdrawals of {$500.00} each. I called to report fraud. Thieves got a hold to my new debit card since mine was expiring on XX/XX/year>. 
The bank is telling me it's my fault that Thieves guessed my pin number. They are also saying I could of asked someone to steal the money for me. I have worked hard for my money and have XXXX kids to support and bills to pay. I am not trying to scam my own bank like that are basically trying to say I am. I don't know how they got my pin number i wish I knew, they want an answer to something even i would like to know how they did it. They are refusing to protect me as a customer from unauthorized use and debit fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report as they are hurting my ability to obtain credit.

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 2025-05-06 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$530.00} XXXX {$770.00} XXXX {$540.00} XXXX $ XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-06 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Description : I am disputing a 30-day late payment reported on my XX/XX/XXXX mortgage account. I made a timely partial payment of {$1100.00} on XX/XX/XXXX. I was unaware of an increased escrow requirement ( to {$1400.00} ) that took effect XX/XX/XXXX, because Freedom Mortgage failed to provide clear and separate notice. I did not receive a seperatae letter of an escrow analysis for the year XXXX descibing this change. No formal notice was received by mail until XX/XX/XXXX. 
Upon learning of the shortage, I immediately paid the balance of {$280.00} ( included in a {$570.00} payment ) on XX/XX/XXXX, XXXXDespite curing the shortage in good faith and having recieved my regulary monthly payments as scheduled on autopay for the 1st of each and every month, Freedom Mortgage reported a 30+ day delinquency. 
Additionally, my account shows : 1 ) Misapplied early payment on XX/XX/XXXX due to bank holiday hours to an unapproved and without my knowledge payment towards the principle 2 ) Overpayment on XX/XX/XXXX likely to correct prior error 3 ) Use of XXXX codes ( Unapplied Funds ) in XXXX XXXX This mismanagement and lack of notice violates the Real Estate Settlement Procedures Act ( RESPA 1024.17 ( i ) ) and resulted in credit reporting that is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 
This derogatory mark has negatively affected my ability to secure financing for essential business purchases. I request the CFPB to investigate and compel correction of my credit records by the mortgage servicer. I request correction of the derogatory mark and a full investigation and am seeking reimbursement for failure to obtain financing for purchases directly related to the running and operations of my business.

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 2025-05-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
Credit card and bank application was applied and open without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-06 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: MI

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-07 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: NV

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block the following fraudulent and unauthorized accounts from my consumer credit report within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and legitimacy of these accounts and demand a full reinvestigation as required by federal law. 

The fraudulent accounts currently reported on my credit file include : A XXXX account with XXXX XXXX opened on XX/XX/year>, with a balance of {$110.00} Under FCRA Section 611, I demand that Equifax provide complete documentation of its reinvestigation, including the method of verification and physical proof used to confirm the accuracy of these accounts. Without such proof, the reporting of these accounts constitutes prima facie evidence of fraudulent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2025-05-06 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: FL

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

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 2025-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have been reported on my TransUnion and Experian credit file. I did not authorize these credit checks, nor have I applied for credit or financial services with the following entities on the listed dates : XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX These inquiries were made without my knowledge or 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Credit card and bank application was applied and open without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: SC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Sentry Credit XXXX XXXX XXXX XXXX, WA XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account NumberXXXX  Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. 
Please provide the following : Purchase Agreemntt A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Transferof Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and XXXX. 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX illegal repossessed a vehicle from my backyard ( private property ) and used police intimidation to secure the vehicle stating that I was concealing stolen property and without a warrant or properly notifying me that the vehicle was out for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I accidentally sent {$1000.00} via XXXX through my Chase Bank account to the wrong recipient. The funds were intended for a contact named XXXX XXXX with the number XXXX, but were mistakenly sent to a XXXX XXXX at phone number XXXX. I realized the mistake on XX/XX/2025 and immediately contacted the recipient where they messaged me via text and said that they knew the money wasn't theirs and that they filed a fraud claim with their bank to have the bank take care of the funds and disburse the {$1000.00} back to the original sender ( me ). I then visited the XXXX Chase that day, XX/XX/XXXX, where I was advised by a teller ( XXXX XXXX ) to wait for the recipient to file a claim with their bank and for the return of funds. 

I returned on XX/XX/XXXX and spoke with the branch manager, who instructed me to submit a claim with Chase if I hadnt received the funds by the XXXX. On XX/XX/XXXX, I filed an official claim with Chase ( internal case number : XXXX ). I was later told that the claim was denied around XX/XX/XXXX, and I have yet to receive a formal updateeven after calling Chase repeatedly, including on XX/XX/XXXX which is the day Chase said everything will be responded to by. 

The recipient, XXXX XXXX, claims their bank removed the funds from their account on XX/XX/XXXX after a fraud report was submitted, and that the money was returned to the original sender ( myself ). However, I have not received the money. Chase refuses to investigate further or contact the recipients bank, despite acknowledging they have the recipient banks information. They also refuse to provide a letter verifying that this is not a fraudulent transaction, which I believe could help encourage the recipient to cooperate more openly. 

I understand that XXXX transactions are authorized and treated similarly to cash. However, in this case, the recipient has stated the funds were returned, and I have evidence of these claims. Therefore, I am requesting a trace or confirmation of whether the funds have been received by Chaseor assistance in retrieving them from the recipients bank.

Company response to consumer: Closed with explanation