vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: IDT Telecom, Inc
State: OH

Complaint narrative:
Boss money transfer For a few weeks now, I've been trying to send money to my sister in XXXX, and they won't verify my document. I've sent my document verification emails and made calls to resolve the issue. The transaction has been canceled, and to this day, they haven't been able to resolve the problem. A person from the verification department answered me, and they were rude and insolent in their customer service and couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 filing this complaint against XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for their continued failure to accurately report my account information despite my formal disputes. 

Specifically, XXXX XXXX has failed to properly update the account status and remarks on my credit file, which falsely shows a charge-off or derogatory condition, even though the account has been paid or settled. This misreporting violates the Fair Credit Reporting Act ( FCRA ), including sections 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), which require accurate reporting and reinvestigation.

Additionally, all three credit bureaus are in violation of Metro 2 data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code " XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information.

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 2025-07-15 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for their continued failure to accurately report my account information despite my formal disputes. 

Specifically, XXXX XXXX has failed to properly update the account status and remarks on my credit file, which falsely shows a charge-off or derogatory condition, even though the account has been paid or settled. This misreporting violates the Fair Credit Reporting Act ( FCRA ), including sections 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), which require accurate reporting and reinvestigation.

Additionally, all three credit bureaus are in violation of Metro 2 data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code " XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint with full certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been severely impacting both my credit score and my ability to achieve financial stability.

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 2025-07-15 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: NC

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 explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Account Violation of Consumer Privacy Rights under 15 U.S.C. 1681 ( a ) ( 4 ) To Whom It May Concern, I am writing to formally dispute the accuracy, reporting, and handling of the collection account ( s ) listed on my credit file under the name PORTFOLIO with account numbers ending in 50841, as reported across Equifax, Experian, and TransUnion.

Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress clearly states that : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Despite this legal requirement, the credit reporting of this account appears inconsistent, potentially inaccurate, and in violation of my privacy rights as a consumer : Multiple conflicting statuses for the same account : reported as Open and Closed, Late 120 Days, Collection, and Chargeoff simultaneously. 

Duplicate account entries across different bureaus ( CAPIT vs. XXXX ), which may be misleading and excessive. 

Incomplete or unverifiable information, including discrepancies in opening dates ( e.g., XX/XX/XXXX and XX/XX/XXXX ) and no proper documentation provided for validation. 

Reporting without complete or consistent bureau details, which can indicate improper verification or privacy breach. 

Such inconsistent reporting is not only misleading, but it may also result in unauthorized dissemination of my private financial data, in clear violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ).

I formally request the following : Immediate reinvestigation and verification of all information reported related to this XXXX account. 

Removal or correction of any inconsistent, unverifiable, or duplicate information. 

Assurance that my privacy rights are preserved by ceasing dissemination of inaccurate or misleading data. 

Please complete the reinvestigation within the time required by law ( typically 30 days ), and provide a written response, including your findings and the actions taken. 

Attached you will find a copy of my identification and proof of address to assist with this dispute. 

Sincerely, 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 2025-07-15 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 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:
please remove the following fraudulent accounts due to equifax data breach identity theft. please see supporting documents and ftc report attached pertaining to XXXX data breach identity theft. 

XX/XX/25 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX { Last 4 SSN * * * _ * * XXXX } XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX  Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, 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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage Forced insurance escrow account on my loan on XX/XX/XXXX and raised my payment drastically. After they claimed there was a lapse in insurance from XXXX.. This was the result of the home insurance crisis in california, my insurer suddenly dropped my coverage and left california market. No other insurance provider but XXXX XXXX would insure my house at this time. XXXX XXXX didnt let me back date it at that time. I have never missed a payment, paid late, or have any other lapse in insurance ever, since I began this loan back in XX/XX/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 2025-07-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00}

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX, complainant noticed 5 five fraudulent charges from XXXX Florida processing in his checking account at Bank of America . Complainant and his wife went personally to bank to report fraud in the amount of {$2000.00} on complainant 's s debit card. Were told at Bank that credits would be back in account within two business days. That did not happen. After numerous calls to Bank of America today XXXX was told that claim had been denied because the fraud in Florida involved a pin. Neither complainant or his wife have ever been to XXXX XXXX, know no one there, have not shared card or pin with anyone. Complainant does make occasional small purchases on the internet. He is XXXX and XXXX, confined to a bed, wife is XXXX. Manager at B of A said charges are obviously not characteristic of account. Complainant has no idea how the fraudster got the card but data breaches occur all the time. As well, most point of sale machines allow people to bypass pins these days. The result is that the couple, who live on social security, are currently without any funds and will have to borrow money to make ends meet, while B of A keeps their money. Suspect that this may be a pattern with fraud complaints involving vulnerable customers who can't afford lawyers.

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 monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Fake company. Sends numerous emails such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX, the bank manager at XXXX XXXX XXXX, XXXX XXXX, LA has very possibly played a major part in the extortion of XXXX and XXXX XXXX XXXX. You will find that I XXXX XXXX was lured to this particular branch XX/XX/year> and within hours after this visit my personal identification was compromised. This has resulted in false criminal allegations. 

Upon arrival, I checked in by providing my ID and debit card to the teller. I stood at the window, waiting for the teller to return my drivers license and she informed me that the manager would bring them to me. This has never happened to me in any banking institution. My items are always returned within seconds. It was very peculiar, so I took a picture of myself in the lobby of the bank as protection. 

XXXX XXXX spoke with me off of the record never opening up any information regarding this account and dismissing my concerns advising that although XXXX XXXX and I are owners of the account XXXX have more rights. 

You will find that I was an owner on account XXXX which was managed responsibly. XXXX XXXX XXXX expired XX/XX/year>, her funeral service was XXXXXXXX XXXX XXXX XXXX XXXX XXXX was allowed access to the account XX/XX/year> without an approved XXXX on file according to several of your bankers. 

I will enclose the letter that was delivered by my estate attorneys to Chase as well as the bankruptcy filing for XXXX XXXX XXXXXXXX XXXX XXXX XXXXhat was dismissed due to abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MoneyLion Inc.
State: KS

Complaint narrative:
I disputed a {$670.00} collection account from MoneyLion on my TransUnion credit report. The debt allegedly originates from XXXX XXXX, but I have no active or recent service with XXXX and do not recognize this account. I disputed it with TransUnion, and they marked it " verified and updated, '' but I was not provided any documentation proving the debt. This may be a case of mistaken identity or outdated information. This dispute has not been handled transparently or in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
The identified transactions are not information related to any transaction completed by me as a consumer : XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX  XXXX ( XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your 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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: OH

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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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