vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHHXXXX XXXX LIED AND STATED THAT THEY GAVE ME 3 MODIFICATIONS WHEN THEY ONLY GAVE ME 1. IF PHH/XXXX XXXX REFUSE TO MODIFY OR PUT THE ARREARS ON THE BACK END OF THE NOTE, THEN I WILL FILE A XXXX XXXX BANKRUPTCY SO THAT I CAN KEEP MY HOME. MY HUSBAND IS TOTALLY DISABLE AND PHHXXXX XXXX DOES NOT CARE. WE CAN PAY OUR CURRENT MORTGAGE PAYMENT OF {$1300.00}

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 2025-07-18 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CT

Complaint narrative:
No, the company did not provide the requested information. Instead, I was repeatedly transferred, talked over, given inconsistent answers, and even hung up on. One supervisor named XXXX told me to stop calling and refused to explain when I could expect my card. Another representative previously told me my address was verified and that the card would be mailed on XX/XX/XXXX or by Monday at the latest, but that turned out to be false. I also visited my local post office and confirmed no mail was ever received under my name or address. When I followed up again, I was told the card still hadnt been shipped and that the address was not verified completely contradicting what I was previously told.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Reconsideration Request for Disputed Charge VARC Solutions {$2000.00} on XXXX Dear Dispute Review Officer, I am writing to formally request a reconsideration of the chargeback decision regarding a disputed transaction in the amount of {$2000.00} from XXXX XXXX, initially credited back to XXXX XXXX XXXX account, then reversed based on alleged evidence we never received. 

This charge was originally disputed because XXXX XXXX did not provide any accounting or tax preparation services to us. We were forced to hire a separate CPA to complete year-end reconciliation and tax filings because XXXX failed to communicate or deliver any work. No records, reports, or deliverables were ever provided to us by XXXX. 

On or around XXXX XXXX XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX submitted evidence of services rendered. However, that evidence was never shared with us, which violates fair dispute practices under Visas dispute and due process policies. We were not given the opportunity to rebut their claims, which is unacceptable and prejudicial. 

To be clear : We received no services whatsoever. 

We were not shown what XXXX submitted. 

The refund was reversed without transparency. 

Please find attached : Proof of our engagement with a different CPA Communications showing our requests for deliverables went ignored A statement confirming no services were rendered by XXXX XXXX We respectfully request the immediate reopening of this dispute or escalation to Visas arbitration process. No business should be allowed to take money based on unverified claims and with no actual service provided. 

Please confirm receipt of this letter and advise of the next steps. 

Sincerely, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 2025-07-18 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: TX

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 explanation
Consumer complaint received 2025-07-18 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: TX

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
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
I made a payment with XXXX for an online order. The amount was XXXX. This was a pre-authoriztion charge. The charge from the XXXX is still pending so on the XXXX XXXX charge me again. That payment was completed on the XXXX. The charge from the XXXX is still pending. I spoke to chime on the XXXX and the supervisor advised that she can't release the funds with the code XXXX gave me to have the funds released. I call Chime today and was hung up 3 times. I was able to finally speak with someone from member services who told me I needed to speak with the dispute department. Spoke to a supervisor in the dispute department who transferred me back to member services who said there is nothing they can do but wait for the pending charge to resolve itself. So I ask to speak with a supervisor who also advised me that I just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IN

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AL

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 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 2025-07-18 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: NY

Complaint narrative:
This is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose. These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability. Disputed Items Collections : XXXX XXXX XXXX XXXX Acct # XXXX | {$28000.00} | XX/XX/XXXX XXXX Acct # XXXX | {$5500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$4500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$9200.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$2300.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$5500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$3500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$2100.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$4500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$12000.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$2300.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$5500.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX | {$1700.00} | Opened : XX/XX/XXXX Violations of Federal Law 1. 15 U.S.C. 1681 ( Section 602 ( a ) ) Ensures the right to privacy and accurate reporting for consumers. 2. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent. 3. 15 U.S.C. 1681c ( a ) ( 5 ) Restricts inclusion of outdated or adverse information beyond reporting time limits. 4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate. 5. Metro 2 Standards Require full compliance in data formatting, accurate account status reporting, and proper substantiation of derogatory claims. Summary of Issue Despite my formal disputes and requests, no physically verifiable documentation has been provided to support the accuracy or validity of these accounts or the inquiry. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents Verification supporting derogatory or delinquent status Evidence of proper formatting or compliance with Metro 2 standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NY

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

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 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXI sent a certified letter to Equifax on XXXX with tracking # XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX in Atlanta, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX  (account # XXXX)XXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I filed a complaint because I never signed a contract with this company. The company responded to my complaint within the required time, but I am not satisfied with their response because the debt they collecting it not mine. they did not provide enough information. I am still seeking a removal of this on my credit report account.I hope the company will reconsider and provide a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I requested in writing a letter for 20 day payoff amount was for {$26.00}, XXXX. Mailed this letter certified to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX the company never responded. Also they have written off this account on my credit and will not provide me the Borrowers copy to adjust to my taxes. According to the IRS I was told they must provide the information. It was written off on XX/XX/XXXX. According Congress 15USC16812AI Income is forbidden to be on a credit consumer report. No transactions or experiences are allowed to be on a a credit consumer report. I have made numerous attempts to get the Borrowers copy of the 1099 c and to no avail have I had in progress.

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 2025-07-18 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: IN

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-18 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-07-18 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: GA

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