vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: NY

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I discovered a transaction that I did not recognize so I filed a dispute. The same day ( XXXXXXXX XXXX ) they sent an email saying it was denied and if I wanted more information to email them at " XXXX XXXXXXXX '', which I did that same day. 

Since that time, I have never received the information nor has anyone contacted me about my complaint or request. 

I have sent several follow up emails and I have called the help number but say all they can do is escalate it internally and that is no one else that I can call to speak to. 

As of this moment none of that has provided any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( XXXX U.S.C. XXXX ), Regulation F ( XXXX XXXX XXXX ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of XXXX XXXX proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I am disputing the following accounts, which are listed on my credit reports with XXXX, Experian, and XXXX. These items are inaccurate and need to be removed in accordance with the Fair Credit Reporting Act ( FCRA ). I request that you investigate these accounts and provide a detailed response. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}

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 2025-12-29 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: VA

Complaint narrative:
I am disputing the following accounts on my Equifax report, as they are inaccurately reported : Charged Off : BANKRUPTCY, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, XXXX : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Positive Accounts : 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 Late Payments XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Got alert that XXXX XXXX pulled a hard inquiry. I did not authorize inquiry. Called Experian and they put a freeze on my account and told me to submit a report to FTC. The FTC site forwarded me to the CFPB to submit a report.

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 2025-12-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: FL

Complaint narrative:
Trying to obtain a Reverse Mortgage, but was informed that I owe {$5000.00} under Claim # XXXX a XXXX XXXX, and also {$14000.00} under Claim # XXXX a Covid 19 Loan through HUD, when I made all my Mortgage payments to US Bank, and was told I was up to date and just owe my XXXX payment. US Bank however is holding up my XXXX & XX/XX/year>XXXX   Mortgage payments, but I do not know why. I only had 1 payment deferred and made all my other payments on time, but was told that I did not have to pay back my Covid Loan and can not get any answers as to why HUD claims I owe {$19000.00} total, since I made all my payments as scheduled. Thank you.

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 2025-12-29 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:
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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We changed homeowners insurance carriers in order to reduce our insurance costs. As a result, the original insurance company issued a full refund check and sent it directly to my mortgage company, RoundPoint Mortgage. 
Since XXXX, I have contacted the mortgage company multiple times regarding the status of this substantial insurance refund and when it would be applied to my account. I spoke with the loan servicing team every month and was assured in XXXX that the refund would be reconciled and either applied to my loan or refunded to me, and that my monthly mortgage payment would be adjusted accordingly. 
Instead, I received a notice stating that my mortgage payment was increasing when it should have decreased due to the lower insurance premium. 
Upon calling to dispute this a 3rd time, I was informed that the mortgage company had never received the insurance refund check. After contacting my insurance carrier, I obtained proof that the check had in fact, been cashed. The mortgage company had possession of the funds as of XX/XX/XXXX, yet they were never applied to my loan. 
Further investigation revealed that the XXXX  department was aware of the deposited funds, while the XXXX XXXX department had no record of the checks receipt. After numerous follow-up calls, the XXXX  department confirmed the payment to a servicing manager/supervisor on XX/XX/XXXX, and the matter is only now being escalated to an individual named XXXX XXXX to determine where the funds have been held and why they were not applied to my account for over 70 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am writing to dispute inaccuracies in my credit reports across the three major credit bureaus. Please investigate the following items that I believe are incorrect, incomplete, or outdated. 

Inquiries XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX 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 2025-12-29 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-29 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime regarding a debit card transaction for goods/services that were never received. Despite the dispute being over two months old, I have not received any resolution or provisional credit. 

I have not been given a clear explanation for the prolonged delay, nor a definitive completion date. This dispute has now been pending for over two months, which exceeds reasonable investigation timelines under Regulation During follow-ups, a supervisor hung up on me, and I was told that this dispute was not a Regulation E problem, which I believe is inaccurate given this is a debit card transaction issue. 

I am requesting that Chime investigate this matter promptly, provide a provisional credit as required by law, and ensure my dispute is resolved in a timely manner. 

The lack of communication and the conduct of Chimes supervisor have caused unnecessary stress and demonstrate a failure to properly handle this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: NCB Management Services Inc.
State: NV

Complaint narrative:
I have disputed this account multiple times with the credit reporting agencies and directly with the furnisher. The account continues to be reported as a charge-off with an outstanding balance, despite the furnisher failing to provide any documentation establishing the accuracy of the information being reported. 

Specifically, the furnisher has failed to provide a signed loan agreement, a complete payment history, proof of charge-off authority, or documentation showing that the reported balance is accurate post charge-off. The account shows inconsistent reporting and continued monthly updates, which appears to be unlawful re-aging. 

Continued reporting without proper investigation violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). I am requesting immediate deletion of this account from all credit reporting agencies or written proof substantiating the accuracy of every reported field.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I applied for a line of credit with XXXX XXXX. I was declined and notified that I would receive the reasoning in the mail. Upon denial from that line, I applied for a different line of credit with XXXX. I was also declined for that offer and told I would receive the reasoning in the mail. 

Upon receipt of the letter from XXXX XXXX, the reasoning for denial was " Credit bureau shows consumer status as deceased ''. Upon receipt of the letter from XXXX they stated " Too many recent credit inquiries are recorded on your credit bureau report ''. Had I not been marked as deceased from the initial application with XXXX XXXX, I should have been approved for that line of credit. However due to the denial, I made the second inquiry with XXXX and now subsequently have " too many inquiries ''. 

When I contacted the credit bureau they stated they do not see the deceased flag and told me to contact the lenders. Lenders stated the information came from the bureau. I am requesting a full investigation and written confirmation that no deceased or erroneous fraud flags exist across my credit file or associated verification databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: LA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing inaccurate credit reporting related to improper address verification and account association. 

Multiple accounts are currently reporting on my consumer credit file that are tied to an old and incorrect address that I no longer reside at and have not verified. These accounts appear to have been associated with me solely through address-based matching rather than proper identity verification. 

I previously contacted the company and requested address verification and documentation showing how these accounts were linked to me at my current address. The company failed to provide this information and continues to report the accounts. 

Reporting accounts tied to an outdated or incorrect address without proper verification is inaccurate and misleading, and violates the Fair Credit Reporting Acts requirement to ensure maximum possible accuracy. 

I am requesting verification and correction of my current address and removal of any accounts that can not be verified as belonging to me at my current address. If verification can not be produced, the accounts must be deleted.

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