vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, my personal information was compromised in * * XXXX major data breaches XXXX XXXX XXXXnvolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The compromised data included my * * full name, home address, date of birth, Social Security number, credit card and debit card information, and other sensitive personal details XXXX XXXX 

Following these breaches, the XXXX XXXX IRS notified me XXXX XXXX that someone attempted to file tax returns under my name, XXXX, and address in both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX Additionally, my XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  accounts were exposed and accessed without my authorization. 

These breaches have resulted in XXXX XXXX  serious identity theft risks XXXX XXXX  and XXXX XXXX actual fraudulent activity XXXX XXXX  affecting my finances and personal security. I am requesting that the CFPB investigate and ensure that the responsible companies are held accountable for inadequate protection of consumer data, and that I am provided with adequate remedies, including identity theft protection and remove inaccuracies from my Credit 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 2025-08-09 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:
In XXXX, my personal information was compromised in * * XXXX major data breaches XXXX XXXX XXXXnvolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The compromised data included my * * full name, home address, date of birth, Social Security number, credit card and debit card information, and other sensitive personal details XXXX XXXX 

Following these breaches, the XXXX XXXX IRS notified me XXXX XXXX that someone attempted to file tax returns under my name, XXXX, and address in both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX Additionally, my XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  accounts were exposed and accessed without my authorization. 

These breaches have resulted in XXXX XXXX  serious identity theft risks XXXX XXXX  and XXXX XXXX actual fraudulent activity XXXX XXXX  affecting my finances and personal security. I am requesting that the CFPB investigate and ensure that the responsible companies are held accountable for inadequate protection of consumer data, and that I am provided with adequate remedies, including identity theft protection and remove inaccuracies from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
My account was accessed by someone else and XXXX dollars over XXXX transactions on XX/XX/year>. 
I called the bank chime and they filled a dispute. 
They said they can not guarantee the money will be returned. 
That they could offer a loan that I'd have to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and correct inaccurate information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/scrub> 2025, I submitted a formal written dispute to Equifax identifying several accounts that I believe are inaccurate and unverifiable. These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In my dispute, I specifically requested that Equifax obtain original documentation with my wet signature from the furnishers as verification. Instead of providing this verification, Equifax continued reporting the accounts without producing any legally sufficient proof. 

This constitutes a failure to perform a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. No such deletion occurred, despite my clear request and the absence of proper verification.

The continued reporting of these unverifiable accounts is causing ongoing harm, including denial of credit, higher interest rates, and reputational damage.

I am requesting that the CFPB require Equifax to : 1. Delete all disputed accounts that can not be verified with original wet-signed contracts.

2. Provide me with complete copies of any verification documents received from furnishers.

3. Confirm in writing that the reinvestigation has been conducted in compliance with the FCRA.

This is not a duplicate of my prior complaint because it addresses Equifaxs failure to conduct a proper reinvestigation after my initial dispute and the continuing harm caused by their noncompliance. 

I have also contacted the state title bureau regarding Account no : XXXX XXXX XXXX XXXX : XXXX and my correspondence is attached as additional evidence of the lenders inability to verify ownership or lien status.

These inaccurate and unverifiable accounts have caused me measurable harm, including credit denials, higher interest rates, and reputational damage. This is preventing me from getting a house and full access to original ownership to the title of my vehicle.

I will be filling FTC report & Filling to MY State Attorney Office Due to noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX [ Phone XXXX ] [ Email Address ] XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unexplained {$60000.00} Mortgage Line of Credit No Transaction History Available To Whom It May Concern, I am writing to formally file a complaint and request an urgent investigation into a longstanding issue with a mortgage line of credit that has severely impacted my financial life.

Approximately 20 years ago, a mortgage line of credit in the amount of $ {$60.00} XXXX was opened in my name. However, there has never been any clear documentation, transaction history, or traceable record indicating when or how those funds were withdrawn, spent, or disbursed. Despite multiple attempts to retrieve this information from the mortgage servicer and financial institutions involved, I have not received any adequate explanation, statements, wire transfer records, or documentation reflecting usage of the funds. 

This unknown debt continues to reflect on my credit and has limited my ability to access new credit, refinance, or pursue personal financial goals. I believe this situation raises serious concerns about transparency, recordkeeping, and possibly even fraud. 

I respectfully request that the CFPB assist in investigating this matter and help ensure I receive a full transaction history and clarification on how these funds were utilized, if at all. Additionally, I seek guidance on how to dispute this balance if no valid proof of fund usage can be provided. 

Please advise on the next steps and whether additional documentation is required from my side. 

Thank you for your time, consideration, and assistance in resolving this matter. 

Sincerely, 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 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is XXXX of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is XXXX of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a promotional offer from Chase for a {$900.00} bonus if I opened both a checking and a savings account and deposited {$15000.00} into savings for 3 months. I do not recall if the offer was sent by email or mail, but I was unable to retrieve it when I attempted to access it.

Before opening the accounts, I called Chase on XX/XX/scrub>/25 & XX/XX/year>25 to confirm what was required and to ask which accounts were eligible. The representative told me to open the accounts online and did not inform me that a coupon code was required. 

Following this call, I opened both accounts online and deposited {$15000.00} into the savings account as instructed. 

On XX/XX/year>25, I called again to confirm I had met all requirements. This time, a different representative told me I needed a coupon code. Based on their instructions, I obtained one from the Chase website and provided it to them. 

Later, I was contacted by the Promotions Department and told I needed the original code from my notification. I explained that I had followed the guidance of two Chase representatives, one of whom told me no code was needed and another who told me that I could use the code provided on Chase 's website. I was told the promotion could not be honored without the original code.

I have met all the financial requirements for this promotion. The only reason the original code was not used is because I was given incorrect information by Chase employees on multiple occasions. Had I been informed otherwise, I would have obtained the correct code before opening my accounts. I was also told I could not close and reopen the accounts to reapply with the correct code. 

I have lost out on other investment opportunities by putting $ XXXX into my savings account at Chase while Chase was able to lend my money out during this time.

I am requesting that Chase honor the original promotion or provide an equivalent courtesy adjustment, as I acted in good faith based on the information provided by their representatives.

I have talked to the Promotions Department who said there is nothing else they can do an put in a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 followin
g 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.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 followin
g 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding the presence of a collection account on my credit report. Upon reviewing my credit report, I noticed that RESURGENT/LVNV FUNDING ( XXXX ) reported in XX/XX/scrub> 2025. I am formally requesting the deletion of this collection account from my credit report, as per the provisions of 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). This section mandates that consumer reporting agencies may only furnish consumer reports under permissible purposes, which include transactions initiated by the consumer, review or collection of an account, and legitimate business needs. Additionally, 15 USC 1681b ( 2 ) stipulates that information may only be disclosed with the consumer 's written consent. I assert that the reporting of this collection account on my credit report does not serve a permissible purpose as defined by 15 USC 1681b ( 2 ), and I have not provided written consent for such disclosure. There is no current or ongoing legitimate business need for the inclusion of this information, nor does it pertain to any transaction initiated by me or involve the review or collection of an account.

Furthermore, I would like to highlight certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692, which regulates the actions of debt collectors. Under this law, debt collectors are prohibited from using unfair or deceptive practices when attempting to collect debts. Reporting inaccurate or outdated information to credit bureaus without proper validation and documentation may constitute a violation of this law. I kindly request that you conduct a thorough investigation into this matter and delete the collection account from my credit report promptly. Please provide written confirmation once the collection account has been removed from my credit report, as required by law. Thank you for your attention to this matter. I anticipate a prompt resolution to this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My son received scholarship checks from two local organizations and was deposited into his checking account. Chase bank has cashed the checks and received the money from the other bank and this was verified by the account holders. Chase closed his account and is holding the money stating they have to verify the checks. Other students who also received the same awards and checks have not encountered this issue. We have called multiple times and received different reasons, and were told it was also resolved and they kept telling us we will receive the funds. It's been over 2 months going on 3 months. We spoke to two supervisors, XXXX and XXXX both telling us different stories. XXXX said it would be resolved and we will get the account reopened and the money in 3-5 business days. XXXX said that they would send us the check in the mail. We are still waiting and nothing is getting done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MI

Complaint narrative:
Continues to call everyday trying to collect payments.... harassing from different numbers and also this company has reported different payments amounts that are not the actual amount... this account has been charged off/ written off by the company and they are still reporting false information.... This was a ( Voluntarily repossession ) and I was told that the car was sold and they are still trying to collect payments & report false information to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On XX/XX/year>2025, Source Receivables Management sent me a written agreement stating they would request the deletion of my account from all credit bureaus upon full payment of {$440.00} by XX/XX/year>2025. I paid the full amount on XX/XX/scrub> 2025, and have proof of payment along with the original letter. Despite this, the account remains on my credit reports, violating the written agreement. I contacted the company to resolve the issue, but they have not taken action to remove the account. I am requesting CFPB assistance to ensure they honor their agreement and delete the account from all credit reporting agencies. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX said on XX/XX/year>2025 my account was closed and paid in full as of today

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on, XX/XX/year>, an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide, evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
A XXXX charge-off account ( balance {$23000.00}, closed XX/XX/XXXX ) was previously disputed and removed from my Equifax credit report. On or about XX/XX/XXXX, Equifax reinserted the account without providing the written notice required within 5 business days under FCRA 611 ( a ) ( 5 ) ( B ).

This reinsertion was done without providing any verification or supporting documentation from the furnisher, as required by FCRA 611 ( a ) ( 1 ) and 607 ( b ). The tradeline is now reported only by Equifax not by XXXX or XXXX and contains inaccurate late payment reporting after the account was closed, creating a false impression of ongoing delinquency. 

Equifaxs actions have caused a credit score drop of over XXXX points, denials of credit, financial harm, and reputational damage. This represents willful and negligent noncompliance under FCRA 616 and 617.

I have written Equifax demanding deletion, the date of reinsertion, the furnishers contact information, and the documentation used to verify the account. No lawful reinsertion notice or evidence has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bepensa Capital, Inc.
State: SC

Complaint narrative:
I've been trying to keep my car payment on time, but they keep calling me every day they have called me XXXX times already talk to XXXX, and made arangements on the car payment online. And talk to a representative, she said they would not call me anymore. And still getting phone calls from North Carolina and California and Washington XXXX, talk to an ai and can't get any sense out of it. They keep harassing me I'll get an attorney. And they can pay for it, and they will pay balance for the loan. And give me a clear title for the jeep.

Company response to consumer: Closed with explanation