vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that multiple accounts continue to be reported inaccurately and remain unverified, even after several previous disputes. These include accounts from 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 Each furnisher has failed to provide validation or documentation supporting the accuracy of the information being reported. Despite this, the credit bureaus have continued to verify these accounts without providing proof of investigation or confirmation of how they were verified. 

For example, XXXX XXXX XXXX  and XXXX XXXX  are reporting charge-offs with ongoing past-due balances, which is inaccurate and misleading. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting collection accounts without producing any proof of ownership, assignment, or debt validation, violating the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). XXXX XXXX and XXXX XXXX XXXX have reported conflicting dates and amounts without any original billing records. Additionally, several unauthorized credit inquiries from XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX were made without my consent or permissible purpose, violating FCRA 604 ( a ) ( 2 ). 

I have submitted multiple dispute letters to each credit bureau since early XXXX, yet they have continued to verify these items without providing supporting documentation or any description of their investigation methods. This is a direct violation of FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ). These ongoing errors have damaged my credit and caused unnecessary financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I closed my Chase checking account and was issued a cashiers check for the remaining balance. I now reside in XXXX, where banks no longer negotiate XXXX domestic checks as of XXXX. This means the disbursement method Chase provided is not negotiable and I can not access my funds. 

I am not requesting to reopen the account or perform a withdrawal. I am requesting that Chase reissue the funds to a bank account in my name via ACH, wire transfer, or another permitted method that does not require in-person appearance.

Chase customer service and supervisors repeatedly told me I must appear in person at a U.S. branch to access my funds, which is not reasonable and constitutes a functional denial of access to my legally owned money. 

I am requesting assistance to compel Chase to provide a negotiable disbursement alternative so I can access my funds. 

Amount : {$17000.00} XX/XX/XXXXCashiers check last XXXX digits : XXXX Issued XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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 id-entity 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 4 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 complete and accurate.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am disputing the following items on my credit report with TransUnion. I respectfully request that these items be investigated and corrected for accuracy. 

CHARGED OFF XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX : Date Open : XX/XX/XXXX XXXX  : Date Open : XX/XX/XXXX XXXX  : Date Open : XX/XX/XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX LATE PAYMENT XXXX : Account Number : 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Whenever my credit report is pulled, its not showing any of my credit history since XXXX or XXXX. My credit score is a XXXX when for the past 5 years Ive had a mortgage and a credit card that I pay off monthly to help my credit score but its currently a XXXX. 6 months ago I had a score and then one day it was like it just disappeared. I have not froze my credit or anything so this makes absolutely no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XX/XX/year> - the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts do not belong to me ; they must be taken down within 15 days pursuant to USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
I had to update my bank account info for payments because I switch to a new bank. I called 3 business days in advanced. They took my checking and routing number than stated they cant use my bank than asked me for my debit card number. The payments come out every Thursday. They said it was enough time to make the change. The payment did not come out. I emailed the manager about the confirmation email and that the new account did not take the payment out.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: AL

Complaint narrative:
We recently closed on a Home Equity Line of Credit ( HELOC ) with Figure Lending LLC. Shortly after closing, we began receiving repeated phone calls and mailed solicitations from individuals who represented themselves as being affiliated with Figure and claimed that an insurance product was required to finalize or complete our loan because it was missed at closing. This information is false. 

The caller insisted she needed to speak with both borrowers together and continued to call repeatedly even after being informed that one borrower works night shift and could not be contacted until after a certain time. When we clearly declined the insurance, the caller responded, Do you even know what youre declining? and persisted. When she reached both of us later, she again claimed the product was required and requested personal medical information ( height, weight, health history ), confirming that this was a third-party insurance sales solicitation being misrepresented as a loan requirement.

We also received mailed notices formatted to look like urgent loan servicing communications using our loan amount, closing date, and mortgage identification number, implying this was required to maintain our loan.

We are requesting that the CFPB require Figure Lending LLC to : Confirm in writing that no insurance products are required to maintain this HELOC.

Stop the misuse of borrower information for misleading third-party insurance solicitation.

Place our account on a permanent Do Not Contact list for optional products or marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Subject : Complaint Regarding Misapplied or Missing Target XXXX  Payments Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my Target XXXX  account due to unresolved payment discrepancies and lack of assistance from XXXX  customer service. 
On XX/XX/year>, I made a payment of {$100.00} to my Target XXXX through my XXXX  XXXX XXXX account. The payment was processed successfully. Subsequently, I made additional payments of {$100.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, all through the same method. 
XXXX  XXXX XXXX has confirmed that these payments were received by Target on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. However, Target claims they have not received any payments since XX/XX/year>, and they have begun assessing late fees and interest on my account. 
Despite multiple attempts to resolve the issue, Target representatives have stated that the matter is under investigation, a process they claim takes approximately XXXX months. During this time, they have refused to request or review essential information such as payment confirmations, transaction IDs, or bank account details that could expedite the investigation. Their lack of action and communication has left me without a resolution, while my account continues to accrue charges unfairly. 
I am requesting the XXXX XXXX XXXX XXXX assistance in ensuring that Target properly investigates this issue, credits my account for all verified payments, and removes any associated late fees or interest resulting from their mishandling of payments. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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 2025-11-06 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

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 XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I did a small repair for an older lady. She paid me via zelle. I got notification of her requesting money twice before she sent the money ( she must have pushed the request button instead of send ). A couple weeks later she got the notification that her requests had timed out and she worried that my payment hasn't gone through. So she pushed the button for a complaint/ fraud issue. 
My zelle stopped working. I spent untold amounts of time talking to tech support, some thought XXXX XXXX  will handle it, others said it's a " XXXX XXXX  '' 3rd party issue and needed a case manager. They told me she had made the complaint so I reached out to her and assured her that her payment had indeed been successful but now my zelle is paused until she tells her bank that we're not in a dispute. She told her bank we don't have an issue and nevertheless, zelle said I should find another way to do business. They won't discuss it and I can not chat with them on the messenger chat within my td app. If you can help me get this reinstated I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX U.S.C. XXXX ( a ) ( 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 2025-11-06 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX U.S.C. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation