vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
AFTER DOING SOME INDEPENDENT RESEARCH, I HAVE FOUND FRAUD AND DECEPTION IN THE PROCESS OF THE INTEREST RATE REDUCTION REPLACEMENT THAT WAS PROCESSED ON MY CURRENT EXISTING VA HOME LOAN IN XXXX. AND THE PROCESS THAT WAS DONE MAKES MY CURRENT HOME LOAN NOT SUBJECT TO ANY STATUTE OF LIMITATIONS CAUSE OF CONCEALED DOCUMENTATIONS, AND THE FORGERY OF THE VA CASE AND LOAN THAT I BRANDED TO MY PRIVACY AS A BORROWER UNDER THE LAW OF TRUTH-IN-LENDING ACT, THE FAIR LENDING ACT, AND OTHER VIOLATIONS OF FEDERAL LAW. THE CURRENT BALANCE IN XXXX WAS {$220000.00}. THEN YOU ADDED THE {$30000.00} AS A MODIFICATION FROM XXXX TO THE YEAR OF XXXX AS STATED ON A FORGED DOCUMENT THAT WAS TESTED BY A FORENSIC LAB. BY YOU FORGING THE IRRRL OF THE CURRENT VA LOAN AND FORGING THE CASE HISTORY NUMBER, YOU INVALIDATED THE PAYMENTS OF {$18000.00} THAT I HAVE ON RECORD UNDER THE LOAN NUMBER OF XXXX XXXX XXXX XXXX UNDER THE LOAN NUMBER XXXX. JUST AS YOU STATED TO YOUR FRIEND, THE CFPB. THE THAT I HAVE NOW ARE VOIDED AS IF NEVER EXISTED UNDER LAW. I WONDER HOW MANY OTHER VETERANS AS FALLEN TO YOUR ACTIONS OF WRONGDOING. TELL XXXX XXXX TO SAVE HIS PHONE CALL, CAUSE I WILL NOT BE TAKING ANY RECORDED CALLS DO TO VOICE TAMPERING.

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 2025-10-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MS

Complaint narrative:
On XX/XX/XXXX, I mailed a certified dispute letter to Experian requesting investigation and correction of several inaccurate or unverifiable items on my credit report. 
The disputed information includes : Medical collections that remain reported as open but should be deleted or properly verified under the Fair Credit Reporting Act ( FCRA ) and CFPB medical debt reporting rules.

Unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were not approved by me. 

Incorrect personal information, including misspelled versions of my name and old or inaccurate addresses. 

Please remove al incorrect name variations and outdated addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please update my file to reflect my correct information : Ful Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Last XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account incorrectly reported as Closed by XXXX, when it should be listed as Closed by consumer. 
As of today, I have not received any written investigation results or confirmation from Experian within the 30-day period required under the FCRA.

I am requesting CFPB assistance to ensure that Experian completes a full reinvestigation, removes or corrects all inaccurate and unverifiable information, and provides written confirmation of all updates made to my credit report.

them from my credit file as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$800.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$610.00} Original Creditor : Medical Provider ( unspecified XXXX XXXX Account Number : XXXX Reported Balance : {$550.00} Original Creditor : XXXX XXXX - XXXX The inquiries in question are as follows : XXXX XXXX XXXX XXXX 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 2025-10-23 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:
I sent dispute letters to Experian identifying fraudulent accounts on my credit report and included an official Identity Theft Report along with valid identification and proof of address. Even after submitting all necessary evidence, Experian continues to report these accounts without any correction or deletion. The 30-day dispute period has already passed, and I have not received any confirmation of a completed or proper reinvestigation. This is a clear failure to comply with FCRA requirements.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> Chase randomly closed my business complete checking account with the balance of {$40000.00}. I called in after logging in and realizing that my balance was no longer there nor could I access anything. 
Chase said that they closed the account due to XXXX. I ask them why. They said that they needed to verify what kind of business I run. Which I mentioned to them when I opened the account that it was for real estate investing. I purchased rental properties to rent out to section 8 tenants. I provided all legal documents that I am the owner of the LLC and provided EIN numbers, etc. They opened the account with no issues and took my money in for a deposit. The lady from Chase said that she would mail me the check or I can go and open up a new account and they will transfer the money into the new account.

Out of panic, I walked into a branch to see if any foul play had happened. All of this was strange to me. The bank did confirm that my account was closed due to XXXX but they couldnt give me any answers. I called in to Chase the very next day and now the representative said that my name didnt show up on the secretary of state file from Missouri . They said the registered agents and organizer was a different name. I confirmed with them that it does not matter if the registered agent and organizer is a different person. They have no ownership of my business. They just helped me put together the LLC. I am the only member and sole owner of my LLC. On XX/XX/year> I had a filing agency from Missouri update the records on the secretary of state files of Missouri. I changed the registered agent and organizer to myself. As the owner of the LLC, I am able to do that. 

On XX/XX/year> I walked into a Chase branch in XXXX California and opened up a new business account with all of the updated files and documents that Chase wanted. They opened a new account and promised they would transfer the funds over within a few business days. I received a call on Monday, XX/XX/year> confirming everything was clear and that they accepted my documents and that I should have the funds by Friday. The next day I received a call from Chase again asking about the organizer that was previously listed on the filing. I told them I do not know who it was and that they just helped me create the LLC and registered agent. It seems Chase is finding every way to hold my money for their own benefit and they will not release it after I have provided all legal documents and proof that I am the owner and only member of my LLC. I recently found out my mother has a terminal sickness, we need the funds. This situation has been a nightmare and stressful to say the least. Ive attached legal documents and proof that I am the only owner of my LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
Even though the balance is cleared, the report continues to show late remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Account Citizens Pay Credit Line # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Glacier Bancorp Inc.
State: AZ

Complaint narrative:
This bank doesnt do anything but lie about bank procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 am writing to request that you block information in my consumer file that I believe resulted from identity theft, as provided for under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I received a fraud alert from my credit monitoring service that negative items have been reported to the XXXX Credit Reporting Agencies.I have attached a complete and recent report with my photo identification. I immediately contacted the bureaus for an investigation. It has been over 30 days to no avail. I am concerned because these negative items DO NOT BELONG TO ME! It is hurting my credit scores and I am retired. A Fair Credit Reporting Act ( FCRA ) violation by a credit reporting agency ( CRA ) is a failure to follow the law 's requirements for accuracy, fairness, and privacy in consumer credit information. Common violations include reporting inaccurate or outdated information, failing to investigate disputes in a timely manner, mixing a consumer 's file with another 's, and improperly disclosing information to unauthorized parties. I request the CFPB thoroughly pursue enforcement.

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 2025-10-23 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 writing to request that you block information in my consumer file that I believe resulted from identity theft, as provided for under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I received a fraud alert from my credit monitoring service that negative items have been reported to the XXXX Credit Reporting Agencies.I have attached a complete and recent report with my photo identification. I immediately contacted the bureaus for an investigation. It has been over 30 days to no avail. I am concerned because these negative items DO NOT BELONG TO ME! It is hurting my credit scores and I am retired. A Fair Credit Reporting Act ( FCRA ) violation by a credit reporting agency ( CRA ) is a failure to follow the law 's requirements for accuracy, fairness, and privacy in consumer credit information. Common violations include reporting inaccurate or outdated information, failing to investigate disputes in a timely manner, mixing a consumer 's file with another 's, and improperly disclosing information to unauthorized parties. I request the CFPB thoroughly pursue enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation