vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made 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 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Going through a hardship since XXXX of XXXX and was in a forbearance plan since XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Related to report number : XXXX I applied for a work from home job on indeed. I believe this company got my information from indeed and reached out to me regarding an interview for a data entry work from home job. I was encouraged to download the signal messaging app to communicate with the hiring manager. Interview process was completed through text messaging because they said they wanted to keep record of my answers I have shared addresses Social Security number and personal information with this company, but I am now realizing that this company is fraud following day a '' er the interview and I was hired for the position I was sent a check for {$9500.00}, I was told to deposit this check into my account because it was for the purchase of work equipment. Following days I was told to transfer money over to di! erent vendors to purchase equipment. I was told money was sent to me to purchase equipment because they wanted to see how well I wouldnt manage business funds and if I could be trusted for the position I was hired for I have been inside of Chase banks transferring money to di! erent account numbers and realize this might not be what I thought it was when it was a little too late. My personal account is now overdrawn over {$9000.00}. I have documentation in di! erent account numbers from conversations Ive had with these people. I am a little on edge at the moment because I shared personal information with them because I was under the impression that this was an actual job. 

Chase bank frauds department told me that I needed to just accept it, because this happens to people all the time essentially there is nothing they can do to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I reported unauthorized transactions totaling {$1000.00} on my XXXX XXXX  account on XX/XX/year>. I cooperated fully with the bank investigation, but they wrongly concluded that I was responsible for the fraud. As a result, they closed my checking account, saving account and my credit card account. 
I did not authorize these transactions my phone was stolen, my password was changed resulting on moving money from the account and Im the victim of the fraud not the perpetrator. Closing my account has caused serious problems, I cant pay my credit card balance yet I get changed late fees, on top of that it will harmed my credit reports.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am disputing the inaccurate reporting of the account I.C. SYSTEM, INC on my credit report. This account is currently recorded as Collection Or ChargeOff, with an opening date of XXXX, a last activity date of XXXX, and it was last verified on XXXX. These inaccuracies have severely hindered my ability to qualify for financing and secure favorable terms. Under 15 U.S.C. 1681n, I have the right to dispute any inaccuracies, and credit reporting agencies have a legal duty to investigate and correct such information. I request that you provide all the documentation you relied upon to verify this account, as well as evidence of the claimed {$0.00}, which I do not acknowledge. The case of Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) affirmed that credit reporting agencies must rectify inaccurate information. In addition, Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) demonstrated that failure to verify information can result in legal action against the agency. Therefore, I demand that this account be removed from my credit report immediately. If not resolved within the required timeframe, I will take further legal action.

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 2025-10-03 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: KS

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CMG MORTGAGE INCs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CMG MORTGAGE INC has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

CMG MORTGAGE INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by ProCollect Inc. regarding our former apartment at XXXX XXXX. I am a co-tenant on the lease. 
I never received any notice, invoice, or Final Account Statement ( FAS ) from the debt collector regarding this alleged debt. The only notice sent by the landlord/collector was addressed solely to my spouse. 
The alleged debt totals {$480.00} ( bathtub {$250.00} + water/sewer {$230.00} ). 
I only discovered the account had been reported when I received a notification from my credit report on XX/XX/year>. 
I never had the opportunity to dispute or request validation because I was never notified. 

This constitutes a violation of : 1. Texas Property Code 92.103/92.109 landlord failed to provide timely notice to all tenants. 
2. Fair Debt Collection Practices Act ( FDCPA ) reporting a debt without validation.

3. Fair Credit Reporting Act ( FCRA ) reporting 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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I spent {$12.00} at XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, IL. Per instructions on the purchase receipt, I emailed XXXX to cancel the subscription on XX/XX/year>. I also called the phone number on their website, XXXX, to cancel the subscription. I left a message with my information to cancel. From XX/XX/year> through the end of XX/XX/year>, I have been billed $ XXXX  monthly from XXXX XXXX XXXX for a monthly subscription that I canceled on XX/XX/year> and that I have not used. I have disputed these charges with Chase Bank, my credit card provider. They have not adequately protected me from future charges by XXXX XXXX XXXX, as this problem is still not resolved. In XX/XX/year> I spoke with someone from Chase Bank 's fraud department who advised me I could request ask the merchant to stop charging my card. This request was done, but charges have continued since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLAYTON AUTOS, INC
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I have contacted the companies listed and even sent certified letters, yet I have received little to no helpful response. Many of the phone numbers listed are disconnected, and the companies have failed to provide the documentation that proves I authorized these inquiries, such as a signed credit application or contract. 

Additionally, I believe I am being confused with another individualspecifically, my father, with whom I share the same full name. I am the " XXXX '' ( or " XXXX '' ), and our identities are being mixed in the credit reporting system. This has caused major issues when cashing checks, opening accounts, and accessing services, and has significantly impacted my financial well-being. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the following actions be taken : Remove all unauthorized or unverified hard inquiries from my credit report. 

Correct the mixed file issue and ensure that only my credit activity appears on my report. 

Provide documentation of all reinvestigation results within 30 days, as required by law. 

Enclosed is a copy of my government-issued ID and a recent utility bill for verification purposes. Also included are screenshots or printouts of the inquiries and accounts in question. 

If I do not receive a timely and proper resolution, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-03 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 XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX * * * * -Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX  # XXXX * * * * -Date Opened XX/XX/XXXX - Balance {$0.00} XXXX CRED XXXX XXXX * * * -Date Opened XX/XX/XXXX - Balance {$960.00} XXXX # XXXX * * * * * * * -Date Opened XX/XX/XXXX - Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX BANK. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-10-03 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX BANK. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year> I tried sending a payment thru cash app and was informed it didnt go thru. Tried several times and it said failed, but they still held it out of my checking account. Called in spoke to a women who helped me with each individual dispute and while we where in the middle of the disputes I received a message telling me I needed to prove my identity and I had until XXXX the XXXX, XXXX. But instead my account was closed on XXXX XXXX before I even had a chance to prove my identity was informed when I called in that it was being reviewed and would be notified of the decision but it could take up to 45 days. Well that in XXXX and its now XXXX and every time I called in no one will help me. I sent in screen shots of the transaction and my bank statement to prove what I was saying but was informed nothing could be done until they decided on what they were going to do with my account. They have had XXXX of my money tied up since the end of XXXX. Please help Im at my ropes end because they will not let me speak to any one in management. We could only correspond thru email and needless to say Im still waiting. I appreciate any and help you can provide. My cash app id was XXXX XXXXXXXX the phone number associated with this is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX  Data Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER BANKRUPTCY REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION ( SSN/DOB ) I am writing to notify that I, XXXX XXXX, am a victim of XXXX  Data Breach and my SSN has been impacted. There is an unlawfully reporting a bankruptcy on my XXXX XXXX  file without the inclusion of my legally required identification information, my Social Security Number ( SSN ) and Date of Birth ( DOB ). The incomplete reporting of this bankruptcy compromises the accuracy of my credit file and also exposes liability under federal and Texas law. I have contacted the Bankruptcy XXXX and have been advised that the court does not interact with consumer reporting agencies regarding identification data. 

The bankruptcy record reported by your agency is not legally anchored to my identity as required. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are obligated to ensure that all information in consumer reports is accurate and complete. It is well established that a consumer report must include all legally relevant identifying details to avoid misidentification and resultant harm. 

The frivolous bankrupcty is : 1. Bankruptcy XXXX XXXX. Docket/Case No. XXXX. Date Filed : XX/XX/year> Under the FCRA 's delete mandate ( 15 U.S.C. 1681c-2 ( a ) ), you must expunge and permanently remove any information arising from identity theft upon receipt of a proper report. Your ongoing retention and reporting of these tradelines violate that statutory duty. You are also in breach of : 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) by neglecting to ensure the maximum possible accuracy of my consumer file.

15 U.S.C. 1681b by furnishing my consumer data without a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-10-03 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$14000.00}

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 2025-10-03 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: PR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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