vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-24 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-24 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: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-24 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-24 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: CT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I

am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank Account Denial Company : Truist Bank ( formerly XXXX XXXX XXXX ) Product : Checking or savings account Issue : Trouble using my account / accessing funds Submitted by : XXXX XXXX Phone : XXXX Email : XXXX -- - What Happened : I opened a personal checking account with XXXX XXXX XXXX XXXX  in XXXX, which later merged into Truist. I have proof of this account, including XXXX transactions, account creation emails, mailed debit card confirmation, the last four digits of the account ( XXXX ), and multiple mailed communications from Truist to my home address. 

When I recently called Truist to regain access to my account, the representative told me no account exists under my Social Security number. I requested to speak to a supervisor or manager, but I was denied and told they would say the same thing. I was also told that no manager was available.

This was distressing, especially since I later received an email from Truist on XXXX XXXX, confirming that my alerts email address had been changed to my current email XXXX which I did not authorize. This suggests the account is still active in their system and may have been accessed without my consent.

I believe Truist Bank is mishandling my account, violating consumer protection standards, and improperly denying me access to my funds. Their system shows the account is real, but they refuse to recognize it or allow me access. I now have concerns about fraud, data breaches, and account mismanagement.

-- - What I Want : Immediate investigation into my account status A full report on where my funds are and why I was denied access Restoration of access to my account An explanation for the unauthorized email change Compensation if my financial rights were violated-

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used CashApp on XX/XX/XXXX to order from XXXX for {$51.00} and I never received my merchandise. They have no way to contact them. I reached out to Cashapp several times to dispute it and they denied the dispute and closed the appeal saying that they have evidence that the charge is correct. I did authorize the charge, but I never received my stuff and the only thing they sent is a copy of the transaction. I never said I didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
We have attempted to make AmeriHome Mortgage accountable for their mistakes on our escrow account in preparation for the property tax payments at the end of 2025. However, they continue to send us the same statements over and over again stating they are not responsible for the mistakes for 2025. Well, I have more proof about their mistakes on our escrow analysis done in XX/XX/scrub> 2025 where the values for property taxes being paid to the specific entities is WRONG on their end in the statements creating a massive shortage of over {$8100.00} in which we have to come up with out of our own pockets from their error from their own documentation sent to us about their decision from the first and second complaint WHICH NEVER COVERED THEIR MISTAKES on the XX/XX/scrub> 2025 escrow analysis. This is the THIRD COMPLAINT about AmeriHome to fix their mistake, acknowledge they made these mistakes, and pay the shortage in our escrow account because of this mistake. Also, we want a formal apology from AmeriHome Mortgage for the amount of stress and mental health issues you have caused our family for us to try to find the money to keep our home from THEIR MISTAKE. All documentation is attached in the complaint. For the third time. Again.

12 CFR 1024.17, Escrow Accounts ( 7 ) Servicer estimates of disbursement amounts. To conduct an escrow account analysis, the servicer shall estimate the amount of escrow account items to be disbursed. If the servicer knows the charge for an escrow item in the next computation year, then the servicer shall use that amount in estimating disbursement amounts. If the charge is unknown to the servicer, the servicer may base the estimate on the preceding year 's charge, or the preceding year 's charge as modified by an amount not exceeding the most recent year 's change in the National Consumer Price Index for all urban consumers ( CPI, all items ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was denied credit from Navy Federal Credit Union.

I can not be denied credit due to credit score, credit history, or income. Any adverse action in a consumer credit transaction is illegal.

15 USC 1691 12 CFR 1002

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Patch Homes, Inc. dba Noah
State: CO

Complaint narrative:
Got a loan from a company called Noah and it was based on appreciation of the house when sold or refinanced. We refinanced the home and there was no record of the lien and nobody at the company was answering phones so we could pay the loan off at that time. Then this year we sold the home and all of the sudden some other company called XXXXXXXX XXXX is saying they own the loan. When asked for proof all they send me is the original loan paperwork. This loan should have been able to have been paid off in XXXX at a much lower rate than now. We are simply asking for them to base off the value at that time for what they were owed versus now but at this point they are not willing to do anything and what they have done is illegal. We do have lawyers working on the case currently

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally express my continued concern and frustration regarding multiple fraudulent accounts that have appeared on my credit report due to identity theft. Despite submitting supporting documentation, including police reports and FTC Identity Theft Affidavits, I am still being contacted and harassed about accounts that I do not recognize and that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
We have had the same home insurance company since being with our new loan provider. Our loan provider mailed our home insurance policy check from our escrow account on XX/XX/year>, with the due date being XX/XX/year>. This caused a lapse in coverage and now we are having to pay our home insurance policy separate from our escrow account, because it is XX/XX/year> and it is the last day to reinstate our policy before they are going to completely cancel it. We paid almost {$500.00} today to have it reinstated. This is because PennyMac did not mail out our escrow payment to our insurance company in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MI

Complaint narrative:
On the night XX/XX/year> I received in the mail a debit card for a cash app and a notice to activate my new card. Reach out to cash app fraud line on XX/XX/year> they would not release any account information and or verify my information, I was able to confirm that account have been created. They proceeded to only offered to block the card after submitting a picture of the front of the card and a picture of the back of the card along with my name and the names of people previously who lived at my household. I did not have a cash app account and I had no intentions of opening one. And they told me the only way other than this form request the account be closed is I have to create a cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 demand the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or open them. In accordance with USC 1681g, I am requesting their deletion within 15 days. Supporting documentation is enclosed 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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, after being a chime member in good standing since XXXX, chime financial closed my account without warning, and sent an email saying my account was closed and that I wasnt eligible to receive any of my available funds back. They claimed this action was taken because I filed a XXXX  XXXX bankruptcy in XXXX. My bankruptcy did not ever affect my chime bank account, and no money was ever owed or unpaid to them. When I called them, they stated that while they closed my credit builder account, my checking and savings remained open but would not release the over {$1400.00} that was in my credit builder account without speaking to my attorney. My attorney then placed a call to them advising that they needed to return my money immediately and asked for them to simply transfer it into one of my remaining accounts that they did not close, which they refused to do. They said they would mail a check. At that time I went to an ATM and withdrew all remaining funds in my savings account less {$4.00} that I could not remove via ATM. I then called them advising that following Friday XX/XX/XXXX and closed the remaining accounts. Today, XX/XX/XXXX, I received a check for {$4.00}, the amount left in my checking account when I withdrew those funds. To date, I still have not received the money ( {$1400.00} ) that was in my credit builder account when they closed it. Multiple phone calls have led nowhere, with only their claim that they're still within their legally allotted time frame of 30 days. When I asked why I received the {$4.00} but not the {$1400.00}, they could not answer. 

They closed my account just after I got paid, leaving all of my bills on autopay to bounce or be delayed. As I am still in active bankruptcy for XXXX more months, this is the first time Ive been late on any of my bills since I filed in XXXX. My paycheck on the XXXX went towards my bills that were behind, and my monthly bankruptcy payment, leaving me again with almost nothing for food, gas, or my bills due in the second half of the month. Today they said maybe by the XXXX or XXXX of XXXX I should have my refund check, outside of the 30 days they promised my lawyer.

Company response to consumer: Closed with monetary relief