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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
In XXXX this year, my uncle stole my debit card and drained my account. I filed dispute and police report, sent in my police report number to them and Chime denied my claim before reviewing police report. They denied it in 3 days. Just refusing to investigate it and made me to live with the theft. Now it happened again and they won't help me. XXXX  stolen.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These dont appear sanctioned and caught us off guard. We urge you to act quickly and review the files.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We weren't aware of these requests in advance and they appear unauthorized. Kindly address this immediately and see the attached docs.

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: TX

Complaint narrative:
I noticed a late payment that doesnt reflect my historyplease take it off.

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: Westlake Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against both Westlake Financial and XXXX XXXX, a dealership in Georgia. 

On XX/XX/year>, I returned my leased vehicle voluntarily to the dealership at their request. I was told that Westlake Financial had sold the lease back to the dealership. However, upon returning the vehicle, I was misled, and the vehicle was then reported to credit bureaus as an involuntary repossession. 

I was not issued any legal repossession notice, nor was I in default at the time. I was lured under false pretenses, the car was taken, and now my credit has been falsely and maliciously harmed. This action violates the Fair Credit Reporting Act, and I am demanding the repossession listing be removed. 

I am also requesting validation of the alleged debt and that Westlake Financial and the dealership produce all documents authorizing such repossession. 

This has caused significant financial and emotional distress. I am seeking an urgent investigation and correction of the credit reporting error.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent inquiries on mycreditreport : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed a serious discrepancy on my credit report involving an account I never opened. This item is completely unauthorized and fraudulent.

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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Freedom Mortgage Company
State: NJ

Complaint narrative:
Asking why my mortgage is figured out as negative escrow account every year. My mortgage is getting behind almost a complete month worth. They expect me to pay extra and yet no proof why? Escrow is behind $ XXXX. It has been behind for some time. Monthly payments have changed {$450.00} since XXXX  when I purchased. But only last 5yrs since this company. Still I seem to be behind and I asked why. No proof why XXXX XXXX blame game. I asked raise to make even. Not In policy. So why am I being gaslighted? Why am I purposely being put behind? Taxes went down {$50.00} one year which was their reason for going up $ XXXXmonthly? Something is suspicious here and no Ive never been paid for surplus. Apparently they cant figure out math properly or I am being robbed. 
Plz help?

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a certified personal information correction request to Equifax & Transunion proper identity verification and documentation. Despite this, Equifax & Transunion continues to report inaccurate personal data, including : Incorrect name spellings Inaccurate job titles Unverified employers A phone number I do not use Failure to update with my correct information I clearly requested Equifax & Transunion to update my profile to reflect only : Correct Name : XXXX XXXX XXXX Phone Number : XXXX Current Employers : XXXX XXXX XXXX and XXXX XXXX XXXX  Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Previous address XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Instead, Equifax & Transunion is still reporting : Old names and employment data from XXXX XXXX XXXX, which is outdated Incorrect job titles such as XXXX XXXX XXXX XXXX not authorized by me An incorrect phone number : ( XXXX ) XXXX, ( XXXX ) XXXX Ignored the corrections I submitted with proof This is a violation of the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ). Equifax did not conduct a reasonable reinvestigation and continues to report false personal data that affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OR

Complaint narrative:
Dear Cash App Support, I am writing to formally appeal the recent denial of my dispute related to unauthorized transactions from XXXX XXXX XXXX, as well as the sudden closure of my Cash App account. 

On XX/XX/year>, Cash App refunded me {$19.00} and {$23.00} from XXXX XXXX, confirming that at least XXXX transactions were deemed unauthorized. These refunds support my claim that my account was compromised and that multiple charges were not authorized by me. 

Despite this, my remaining disputed transactions totaling {$890.00} were denied without explanation. The following day, my account was permanently closed and I was labeled as having committed fraud. This occurred shortly after I exercised my rights under the Electronic Fund Transfer Act ( EFTA ) and submitted a formal demand.

I respectfully request that Cash App : 1. Reopen and fully reinvestigate the remaining disputed transactions, 2. Provide written justification for the denial of the remaining claims, and 3. Clarify the basis for the account closure and fraud designation, including any evidence supporting that determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
I've been trying to retain my mother 's home after her death. I am not familiar with real estate at all. I didn't assume her loan in XXXX of XXXX because I never received any correspondence or documents from the mortgage company which would allow me to do this. The mortgage company was only concerned with the mortgage payment. They never explained what if anything I could do to assume the loan, only that they would allow me to make payments. This I would later find out was the modification they mentioned in my response letter. I was never sent a coupon book to make these payments I was instructed to call once a month and make the payments over the phone directly from my bank account. In XXXX of XXXX I was diagnosed with XXXX and began treatment. While undergoing treatment I was XXXX for some time which caused me to miss my next call/payment. This is when they cancelled the modification. No warning, no correspondence. This has all been one mishap after another on both sides, mine as well as the mortgage company. The three previous modifications they mentioned in the response were not related to me. They had been done during my mother 's ownership. I can afford the loan. I only want to retain the property and be given a fair chance.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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:
The appearance of unfamiliar addresses on my credit report raises serious concerns about the misuse of my personal data. I have never lived at the listed address, and I believe it may be linked to fraudulent activity.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
This problems started with my XX/XX/2025 payment. As always I choose the option on their website to make an additional payment to be applied to the principal. In XXXX they did not do this they applied a {$100.00} credit to my account which they then applied to my XXXX payment. Again for my XXXX payment I paid an extra {$100.00} to be applied to the principal. Again they forwarded it as a credit to the XXXX payment. I have contacted them twice and received the same answer that they installed a new operating system back in XXXX and are having problems. I don't buy that excuse. The problems didn't start until XXXX. I spoke to a supervisor the second call and he was very frustrated. I have contacted the North Carolina DOJ and I have heard nothing except they received my complaint. I sent a certified letter demanding the extra payments be applied to my principal along with the interest that continues to accrue based on how they are applying the payments. I received a letter from them stating they are investigating my concern. For my XXXX payment I sent a check for {$580.00} with the stipulation that the extra {$100.00} be applied to the principal and not applied to XXXX installment. I have sent the letter below with my XXXX payment. 

I know that Nissan is facing financial problems but this is unacceptable.

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: EQUIFAX, INC.
State: NJ

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 — Account status incorrect
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I am disputing a medical collection account reported by Credit Control Services Inc on my XXXX  credit report ( Account # : XXXX, Report # : XXXX ). 

The account was added in XX/XX/XXXX and shows an open date of XX/XX/XXXX meaning it is less than 12 months old. Under current credit reporting guidelines ( as of XX/XX/XXXX ), medical collections may not be reported until 365 days after the original delinquency date. This account violates that standard. 

I also attempted to dispute this item through XXXX online dispute portal and was blocked from doing so, with instructions to call or mail a dispute instead. While I technically have access to mail and printing, this creates an unnecessary burden and restricts timely dispute resolution. This combination of premature reporting and blocked digital access is preventing me from exercising my rights under the Fair Credit Reporting Act. 

I am requesting that this account be removed immediately or marked as in dispute during the investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for these fraudulent accounts and request their elimination from my credit file in accordance with USC 1681g within 15 days.

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: CA

Complaint narrative:
I request that these fraudulent accounts be removed from my credit file within 15 days as outlined in USC 1681g.

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 — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
At XXXX XXXX got an email my account is closed I call they can't tell me why just that I will receive a check in 30 days no reason why my savings are being withheld from me I don't make much I only had but XXXX in my savings I don't see why I've been still banking with these petty thieves

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An account that I did not authorize has been reported on my credit file. I have no knowledge of or responsibility for this account, and it appears to be 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally dispute adverse actions taken against both my business and personal credit card accounts, which have caused significant financial and reputational harm. Despite having automatic payments set up and making multiple attempts to resolve the matter with Truist representatives, I have been subject to : Penalty APRs applied without proper justification ; Reversed promotional rewards on my business card ; Credit limit reductions without notice ; Potentially negative credit reporting ; Fees resulting from technical failures with Truists own systems. 

Enclosed you will find a XXXX  containing relevant evidence and communication from Truist, including emails dated XX/XX/year>, and XX/XX/year>, which document the issues with recurring payments and reward reversal. 

I am requesting the following actions : 1. Immediate removal of all Penalty APRs on both accounts ; 2. Restoration of promotional interest rates and rewards ; 3. Reinstatement of original credit limits ; 4. Removal of all unjust fees and charges ; 5. Correction of any credit bureau reporting associated with these issues ; 6. Written confirmation that both accounts are in good standing.

I have submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) and will escalate further to the Office of the Comptroller of the Currency ( OCC ) if this matter is not resolved within 15 business days.

Please confirm receipt of this email and provide a case reference number for tracking. I am open to discussing the matter further to reach a fair resolution. 

Thank you for your time and prompt attention.

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