vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate accounts reporting that do not belong to me reporting fraudulent

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 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Foreclosure property sale is set for my XXXX mortgage XX/XX/year>. Trust deed number XXXX does not exist for my XXXX mortgage. XXXX XXXX XXXX # XXXX with Shellpoint XXXX is not recorded with the register office for my property. Never received foreclosure letter from the Foreclosure attorney office XXXX that Shellpoint is using to foreclose on my home. Requesting debt be validated, acceleration of the debt notice be sent to me from Shellpoint. Requesting foreclosure sale be canceled and request for mortgage assistance be processed. I was approved by XXXX for the amount of {$4000.00} to bring my mortgage current. Check was mailed to Shellpoint XXXX XX/XX/year> for {$40000.00} Shellpoint returned the check to XXXX forcing my property to go into foreclosure. i don't want to lose my house to foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-10-06 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: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX filing this FTC Identity Theft Affidavit to report fraudulent accounts, inquiries, and lections that appear on my consumer FICO credit report. These accounts were ned without my knowledge, authorization, or consent and are the result of identity ft and fraud. XXXX XXXX XXXX XXXX XXXX XXXX- Account XXXX. 
XXXX XXXX XXXX - XXXX XX/XX/XXXX- Account XXXX. Unify Financial FCU - Opened XX/XX/XXXX- Account XXXX. 
XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Account No. 
XXXX These fraudulent accounts have further resulted in multiple unauthorized hard inquiries and fraudulent collections being reported on my consumer FICO credit reports.I declare that I did not open, authorize, or benefit from any of these accounts, loans, inquiries, or public records. I am a victim of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
TRUIST BANK ALLOWED UNAUTHORIZED TRANSACTIONS ON MY CHECKING ACCOUNT FOR XXXX MONTHS AND DID NOT EVEN CATCH THE FRAUDULENT ACTIVITY. ONCE I NOTICED THE FRAUDULENT ACTIVITY, I CONTACTED THEM TO FILE A complaint. It took me an ENTIRE DAY TO DO SO. THE CUSTOMER SERVICE REPS weren't fluent IN XXXX, WHICH CAUSED FRUSTRATION ON BOTH SIDES. ONCE I THOUGHT THE MATTER WAS RESOLVED AFTER GOING TO THE LOCAL BRANCH TO CLOSE THE ACCOUNT, I NOTICED THAT THE BANK REIMBURSED ME FOR XXXX FRAUDULENT TRANSACTIONS V/S THE XXXX THAT WERE DONE. ON XXXX, I've CALLED THE FRAUD TEAM OVER 6 TIMES AND WAS HUNG UP ON, and there was NO RESOLUTION. THEY ARE RUDE, AND I STILL HAVEN'T GOT A RESOLUTION ON THE ACCOUNT.

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 2025-10-06 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: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
A bank error related to billing and reporting on a single account has negatively affected my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, yet payments I made were not properly applied, and the reported balance contains clear calculation errors. Furthermore, I was not provided with the required XXXX notice before the payment due date, making any late payment marks invalid. This inaccuracy constitutes a violation of federal law and has unfairly damaged my credit standing.

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 2025-10-06 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been a member of chase bank since XXXX. I have not involve anything that will temper my good reputation. On this day XX/XX/XXXX, I received a mail from chase bank closing my account. I called the customer service to find out about reason for closure they told, they will not tell me. I should contact XXXX. I contacted XXXX  and they indicated nothing suspicious on my account. The reason why I am filling this complaint is I wont sit there for a bank to destroy my name tied to something I have no idea about. I dont misuse my account in anyway, I pay my credit cards on time and all that. Why would a bank just decide to close my account indicating concerning activity. Im I not supposed to get the opportunity to explain anything that the bank might have seen? May be its identity fraud which I might not be aware of. I need to know what is going. The world is not safe anymore. I am a XXXX in the XXXX XXXX and I will never sit there for something I am not aware to be tied into my name. I need chase to give me an explanation why they closing my account. If this claims are not true, I will also take legal actions against them for defamation of character. I believe if I was a millionaire or some rich forks, I will get the opportunity to explain certain activities. I have a chase sapphire card of {$18000.00} credit limit but only have a balance of {$5400.00}. Also have a chase freedom card which I carry zero balance. The last time I used this card was like three months ago. I need some explanations because this really hurts so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX and several furnishers for reporting inaccurate and unverified negative accounts that have harmed my credit health. Despite prior disputes under the Fair Credit Reporting Act ( FCRA 611 ), these items remain on my credit file without proper verification. The accounts include LVNV Funding, LLC ( XXXX XXXXXXXX ). I request that the CFPB investigate these violations, require the furnishers to provide documented validation, and ensure the removal or correction of all unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-06 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX. 
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Re : Urgent Identity Theft / Credit Reporting Violations File Correction & Deletion Demands Dear XXXX XXXX, I write to you as a consumer and victim of identity theft whose rights under the Fair Credit Reporting Act ( FCRA ) are being repeatedly and willfully violated by your bureau. I have, on multiple occasions and through every available channel ( online portal uploads, mailed affidavits, FTC Identity Theft Report, government-issued ID, and direct communications ), submitted compelling, legally sufficient evidence that certain credit accounts, inquiries, and personal identifiers listed on my credit file are fraudulent, inaccurate, or belong to unknown parties. 

Despite your companys receipt and acknowledgment of these documents, your bureau has : Refused or failed to apply the mandatory four-business-day block under FCRA 605B to stop reporting the fraudulent data.

Repeatedly placed my case into the standard 30-day investigation timeline rather than the required statutory short-term hold.

Maintained or reinserted disputed accounts, credit inquiries, and erroneous personal information that I have conclusively proven are fraudulent and do not belong to me.

Neglected to update or correct my personal identifying information ( name, address, date of birth, Social Security number, etc. ) to the verified data I provided.

Continued to allow third parties, furnishers, or downstream users to access and act upon the erroneous or blocked data, further harming my credit, delaying my ability to transact, and causing direct financial and emotional injury. 

This misconduct obstructs my ability to secure legitimate credit, housing, employment, or other essential services. Your bureau is disregarding both the express statute and the documented evidence in your possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I use XXXX on my Wells Fargo app and it always have fees money deductions and I dont know from where

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. repeat offenders to exploit the system, leaving users vulnerable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX and my cable was included in my rent. When I left there on XX/XX/year> I was told to leave my equipment there but I turned it in anyway. I can't possibly owe this money.

Company response to consumer: Closed with non-monetary relief