vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a deposit of XXXX dollars in hundreds into BofA atm XXXX at XXXX. The machine only counted XXXX. I immediately cancelled the transaction but it only return my XXXX. Now the bank is saying they cant find the money. 
The bills were new crisp bills stuck together but it total up to 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 monetary relief
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-06-24 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 correspondence serves as a formal notification that multiple accounts on my credit report are fraudulent and do not belong to me. I had no involvement in their creation, and I was unaware of their existence until reviewing my credit report. These entries are harmful, inaccurate, and a violation of my consumer 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 2025-06-24 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:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: KY

Complaint narrative:
XX/XX/XXXX is when we first started to question the amount of our loan. ( Email titled House cost questions CCM ) XX/XX/XXXX before signing disclosure we questioned it again. XXXX XXXX made it seem like these were not set in stone numbers, they were appraised or estimated. He made it seem that way in his emails along with the phone conversation we had during the time of these emails. ( Email titled out of budget questions CCM ) We have been very clear from the beginning the loan amount we can afford. We were never told the numbers we can afford is not going to happen, is out of the question, is unrealistic. Instead we were mislead into believing that our mortgage was going to be close to what we have said we can afford. 

XX/XX/XXXX we received our modification paperwork and once again question our loan amount because it is way out of our budget. 
( Email out of budget questions CCM2 ) Also note that XXXX XXXX was XXXX on all of these emails since XX/XX/XXXX. 

We spoke to XXXX XXXX in email and on the phone. She told us we needed to speak to XXXX XXXX our loan agent regarding certain questions we had and certain things he had told us pertaining to our loan. We immediately started trying to get ahold of XXXX XXXX by phone with no luck. I left voicemails. 

XX/XX/XXXX I replied to one of XXXX XXXX monthly emails he sends out. ( Email trying to get ahold of XXXX CCM ) XX/XX/XXXX we still have not gotten what we need from XXXX XXXX. XXXX XXXX also advised us we can not make any principal reduction payment which XXXX XXXX assured us we could do at modification. ( Emails out of budget questions CCM2 and out of budget questions CCM, XXXX CCM no option to pay principal down ) Weeks after XXXX XXXX said we can not make a principle reduction payment XXXX XXXX then informs us we can make a principle reduction payment, we wire {$20000.00} within 3 days. XXXX XXXX was XXXX on all emails not sure why it took her so long to tell us we could do a principal reduction payment weeks after her coworker XXXX XXXX said we could not. ( XXXX CCM no option to pay principal down ) We then find out the {$20000.00} we sent is going to be used for mortgage payments, interest payments and not put towards our principal balance which it was solely intended for. We are being blamed for everything and why no payment has been made. If you review every email I have attached we have been mislead from the beginning. Miscommunication from CCM has been an issue since the beginning. We have stayed in contact and asked appropriate questions, CCM has had the miscommunication issues, misleading information, intimidation tactics and now we are literally stuck paying for it. 

Please refer to emails CCM undisclosed fees misleading answers, XXXX XXXX CCM intimidation tactics, CCM misleading and intimidation tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL STUDENT LOAN ACCOUNTS -THEY DID NOT WANT TO REMOVE THE ACCOUNTS WHEN REQUESTED OVER THE PHONE I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint due to the inaccurate reporting of late payments on my credit report by the following accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX ( XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXX These accounts are reporting late payments that I dispute as factually inaccurate and unverified. I formally submitted written disputes to the credit bureaus and requested an investigation under the Fair Credit Reporting Act ( FCRA ) 1681i, requesting they verify the data or delete it if they could not fully substantiate the claims.

To date, I have not received any documentation or proof confirming how these late payments were verifiedsuch as the exact date, time, payment method, or source of the alleged delinquency. This is a violation of the FCRA, which requires that furnishers and bureaus conduct a reasonable investigation and provide proof within the legally required timeframe.

I am requesting CFPB assistance to compel the bureaus and/or data furnishers to either : 1. Provide full and lawful verification of each reported late payment, or 2. Immediately delete the inaccurate information from my credit report due to failure to validate.

This information is materially damaging to my credit profile and financial opportunities. I am requesting expedited handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am filing this complaint due to the inaccurate reporting of late payments on my credit report by the following accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX ( XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXX These accounts are reporting late payments that I dispute as factually inaccurate and unverified. I formally submitted written disputes to the credit bureaus and requested an investigation under the Fair Credit Reporting Act ( FCRA ) 1681i, requesting they verify the data or delete it if they could not fully substantiate the claims.

To date, I have not received any documentation or proof confirming how these late payments were verifiedsuch as the exact date, time, payment method, or source of the alleged delinquency. This is a violation of the FCRA, which requires that furnishers and bureaus conduct a reasonable investigation and provide proof within the legally required timeframe.

I am requesting CFPB assistance to compel the bureaus and/or data furnishers to either : 1. Provide full and lawful verification of each reported late payment, or 2. Immediately delete the inaccurate information from my credit report due to failure to validate.

This information is materially damaging to my credit profile and financial opportunities. I am requesting expedited handling of this matter.

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 2025-06-24 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I was behind on my auto loan payments, the lender reported my account as charged off and/or continued the repossession process. I was not provided with proper written notice of charge-off, intent to repossess, or my right to reinstate the account. Once I found out my car got repossessed I called my lender and paid the full amount of my pass due payments. 

I requested documentation showing why the loan was charged off and whether reinstatement was possible, but the company said the sent a notice of missing payments but in that it didnt say anything about missing payments or intent to repossess. They also continued to report the balance inaccurately and have not corrected my credit report or explained the situation. 

I am requesting that the CFPB investigate this matter and require the lender to : Provide all notices related to repossession and charge-off Reinstate or correct the loan status if all payments were made Update my credit report to reflect the accurate payment and account status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime refuses to refund me when I make purchases and the things I order come back broken or damaged I even send pictures for proof and they still deny my refund from the seller

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
XX/XX/XXXX email sent : We still have not heard from anyone since XX/XX/XXXX. Our credit was pulled for this transaction and we have been in compliance with the process. Please contact us immediately on how to proceed. It is regulatory that the creditor can not be unresponsive when we have initiated the application and have intent to continue. I look forward to speaking with management. 
XX/XX/XXXX : We are awaiting another update. We have left 2 messages for XXXX today and yesterday. A return call would be appreciated. 
XX/XX/XXXX : We have not received a call or email update regarding the ROV for our property. We can be contacted via email or phone. Please contact us as soon as possible and let us know if additional information is needed. 
XX/XX/XXXX : I have uploaded the ROV to the documents tab in the Mr. Cooper application. Let me know if anything additional is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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