vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-27 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Ive already tried to dispute this on my credit reports. Its over XXXX XXXX XXXX debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security XXXX My correct address is : XXXX XXXX XXXX My employer is : 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH Mortgage is reporting late on months that are incorrect. I have tried several times to understand and communicate with them. The XXXX credit bureaus that I have disputed with still have not changed the information because PHH keeps telling them that information. My payment shows late in XXXX of XXXX  and that is not correct. If I am correct, you have to be 30 days late to show and report. I was late XXXX XXXX  and account was paid and up to date through XX/XX/year> and paid on XX/XX/XXXX posting on the XXXX therefore it is not late 30 days. The letter and history proves this but they are not changing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
THERE IS SOMEONE WHO IS TRYING TO GET A CAR THROUGH XXXX  XXXXXXXX XXXX XXXX AND THEY TRIED ON XX/XX/year>. THIS INQUIRY THAT WAS REPORTED FROM THIS BANK IS FRAUD AND IT WAS A FRAUD APPLICATION. I TALKED TO XXXX XXXX THEY ABOUT IT THEY PUT A BLOCK ON THE ACCOUNT THAT WAS APPARENTLY ALMOST OPENED. THIS HAPPENED MONTHS AGO SO IT SHOULD BE SOMETHING THAT IS DEALT WITH ALREADY. PLEASE REMOVE THIS FRAUD INQUIRY FROM XXXX XXXX XXXX XXXX XXXX. ILL CHECK UP ON THIS AGAIN SOON.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I opened a Chime Checking Account on XX/XX/year>, because of a publicly advertised {$200.00} promotional offer. The advertisement I enrolled through stated : With {$500.00} or more in direct deposits within your first 30 days. The wording was plural ( direct deposits ), which reasonably means multiple deposits totaling {$500.00} or more would qualify. 

Within my first 30 days, I deposited over {$1100.00} in qualifying direct deposits from XXXX. Despite meeting this requirement, Chime denied my {$200.00} bonus, claiming it required a single {$500.00} direct deposit. This condition was never disclosed in the advertisement I joined through. 

This discrepancy between the public ad and the internal requirement is misleading advertising. I acted in good faith and fulfilled the stated conditions, but Chime has refused to honor the bonus. 

I contacted Chime customer support multiple times to resolve this issue. During these conversations, I provided screenshots of the advertisement and explained that I deposited more than {$1100.00} from eligible sources within the required timeframe. However, I was repeatedly told that the promotion required a single {$500.00} direct deposit. This condition was never disclosed in the public offer I enrolled through. 

Additionally, one representative ended the chat abruptly while my issue was unresolved, which I found unprofessional. Later, I was given a ticket reference number ( XXXX ), but I was informed that the matter could only be handled by phone. I requested written communication ( via email or chat ) so that I could have a record of the resolution, but this was refused. 

I am not seeking anything beyond what was clearly advertised. I acted in good faith, followed the publicly stated terms, and believe I should receive the {$200.00} promotional bonus. I also believe Chimes advertising practices should be reviewed to ensure other consumers are not misled in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NV

Complaint narrative:
In accordance with the fair Credit Reporting act.

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I am disputing the following hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C16 Section 602 A.

States I have the rights to privacy. 15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inquiries are harming my credit score and were not initiated with my consent. Under the FCRA, unapproved inquiries must be removed.

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 2025-08-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair Credit Reporting act.

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I am disputing the following hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C16 Section 602 A.

States I have the rights to privacy. 15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inquiries are harming my credit score and were not initiated with my consent. Under the FCRA, unapproved inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: DE

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} 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 US 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 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 2025-08-27 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: Westcreek Financial
State: IL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts and collections on my credit report that do not belong to me. 

I filed disputes with the credit reporting agencies and provided documentation, including my Identity Theft Report filed with the FTC and a copy of my police report. Despite this, the credit bureaus have not removed the fraudulent accounts and continue to report them. 

The inaccurate accounts include : The following accounts are fraudulent : XXXX XXXX XXXX  {$490.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Charge Off / Transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Charge Off, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are causing severe harm to my credit and financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ) 605B, once I provide proof of identity theft, the credit bureaus are required to block fraudulent information from my credit file. They have failed to comply. 

I am requesting that the CFPB require the credit bureaus and furnishers to remove these fraudulent accounts from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I am XXXX years into a mortgage ( with XXXX ) with PennyMac after a cash-out refi from XXXX XXXX. Recentaly, I received the usual letter from PennyMac informing me that either/both my taxes or insurance are going up and in turn my escrow account needs to rise accordingly. I totally understand this. I get it completely. I have NO problem with this adjustment at all. I do have a problem with PennyMac. 

I have called PennyMac twice, asking if I can pre-pay this difference into my escrow account in order to leave my monthly payment the same as for the last 12 months. I was told both time, that this was not possible. It is unclear why I can not. I do not know if PennyMac does not offer this service to help customers stay financial stable and responsible, or if the federal government, as one call seemed to indicate, does not allow this pre-payment of an escrow increase any longer. 

I should clarify, the second customer service representative ( who was very patient as my irritation grew - she did very well! ) indicated that I could pay the difference $ XXXX x 12 months = {$83.00} total change for one year but that it would not change my monthly payment. That even by paying the {$83.00} my monthly payment will still go from {$2100.00} to {$2200.00} starting on XX/XX/year>. 

With the XXXX XXXX mortgage which ended XXXX years ago, I prepaid my entire escrow increase every time, in full,, all inan effort to keep my monthly payment stable and my budget stable. 

I have spoken with a representative at CFPB, she, though very nice and helpful, did not have an answer I was offered to contact a local Housing counselor and neither are available at this time. I was offered to contact Legal Aide, and I have not. I looked into the RESPA but that does not look approprate to this situation. 

Where can I look or who can I contact to get clear information, and not what I already know and understand, about pre-paing my escrow in effort to keeping my monthly payment stable. 

If you need further information, please contact me. Thank you in advance for your support and information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My brother decided to deposit a huge check from a family member into his Chase account. Since it was such a huge amount it got flagged in his account. So since my account was made when I was XXXX XXXX with my mother and she decided to do that for each of her children, my account is frozen when I have bills to pay soon. I was never told that my account was frozen through any communication method, I had to learn from my brother. Why am I being punished for someone elses actions when I am doing all the right things? Just cause our account was opened with our mother, I dont even have access to any of their accounts. This is a very good reason not to bank with J.P. Morgan Chase cause there are many other horror stories besides my own all over the internet. It is probably a good idea to move to a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} 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 US 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 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 2025-08-27 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-27 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Cease and Desist Communication : I demand that Harley Davidson Financial immediately cease all forms of communication with me, including phone calls, letters, emails, text messages, and communications through third parties. Continued contact will constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ).

2. Debt Validation : I demand written validation of the alleged debt as required under federal and state law. This includes the exact amount claimed, the name of the original creditor, and documentation proving you are authorized to collect this debt. Failure to provide proper validation is a violation of my legal rights.

3. Credit Reporting Opt-Out : I formally instruct Harley Davidson Financial to cease reporting any information regarding this alleged debt to all credit reporting agencies, including XXXX, XXXXXXXX XXXX XXXX XXXX. Any attempt to report, update, or maintain negative information regarding this matter on my credit file will be considered a direct violation of federal law.

Company response to consumer: Closed with explanation