vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian 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 non-monetary relief
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
" I inadvertently sent money to the wrong recipient through Zelle in six separate transactions. I realized the mistake after completing the transfers and am now in need of assistance to retrieve the mistakenly sent funds. '' This description is clear and concise, summarizing the mistake and indicating the help you need. You can use this when communicating with your bank or Zelle 's customer support to initiate the process of recovering your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX Westlake XXXX I dont owe them anything my identity got stolen and they got cars in my name that I didnt owe ask them for proof of was it me and they couldnt send me anything and these two people is taking a toll out on my credit when Im trying to purchase my first home and cant because they coming back as verified and update when this legal was not me who purchased these vehicles

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is being Reported to Transunion Agencie has a Collection account. I never Contracted with this company

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 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
In XXXX XXXX Rocket Mortgage modified my loan following two years of COVID-related forbearance. My original loan was a 20-year term with a principal balance near {$510000.00} at a 2.99 % interest rate. Post-modification, my term was extended to 40 years, and the new loan principal reported by the successor servicer ( XXXX XXXX ) increased to {$570000.00}, with an additional deferred balance of {$20000.00}, totaling nearly $ XXXX approximate increase of {$88000.00}. 

Despite this significant increase, the monthly principal and interest payment remained roughly the same, which raised concerns about capitalization practices and the accuracy of the amortization schedule provided ( or not provided ). At no point during or after the modification was I provided with : A line-item breakdown of capitalized forbearance interest, fees, or advances. 
A detailed amortization schedule reflecting the new 40-year structure. 
Clear explanation of how the $ XXXX increase was derived, especially considering only two years of forbearance and no balloon or deferred payment disclosures. 
Furthermore, I was not made aware that accepting the modification would result in a complete term reset to 40 years, essentially doubling my repayment period without lowering my monthly burden. I do not recall signing any modification agreement that transparently disclosed this, nor was I notified of the long-term cost implications of capitalizing forbearance in this manner. 

This lack of transparency has created downstream issues with XXXX XXXX, who is now servicing the loan based on this modification. I am actively disputing the payment structure and default status that arose as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows : Account Name : 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 Upon reviewing my TransUnion credit report on XXXX XXXX XXXX, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file. 

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. 

As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed on my credit report. 

This version clarifies the language, removes redundant statements, and improves the flow while maintaining the original information. Let me know if you need any further adjustments!

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX accounts on Experian from Dept Of ED/XXXX  XXXX. Open XX/XX/XXXX {$3600.00} XXXX. Open XX/XX/XXXX {$2500.00} XXXX. Open XX/XX/XXXX {$1500.00} XXXX. Open XX/XX/XXXX {$8100.00} XXXX. Open XX/XX/XXXX {$7500.00} XXXX. Open XX/XX/XXXX {$7500.00} XXXX. Open XX/XX/XXXX {$6900.00} I was in a forgiveness program and after 2 years, they were to be forgiven and removed with XXXX balance. I did 4 years of community services. They kept saying they were removing them and they havent.

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I have been in XXXX  I was just XXXX  XX/XX/scrub> 2025 and I have this letter from Jefferson Capital saying I owe XXXX XXXX {$16000.00} I have never used XXXX in my life now before I went to XXXX  my ID was stolen somebody stole my identity these are not my charges. I've been trying to get a XXXX phone and now I know why I can't wow. JCS reference numberXXXX and acct number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want this looked into and taken off immediately so I can get a cell phone for myself I just was XXXX  from XXXX  this is identity theft at its finest I've had straight talk from XXXX for the past 10 years someone took my ID stole my identity and got these items I need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I lost my card someone used my card got into my account I called chime they put a security lock but the person who had my card still was able to draw from my account I then again called chime they said no one can get in they files 7 disputes then told me I'm fraudulent an closed my account without giving me an interview or investigation any information what's so ever an closed my account even when I showed them my ID an ss number. Even when I told them some one changed the phone number an email on my account. So they closed my account an have said nothing kept my money that I had an they didn't reimburse me for the money that was there an taken out while it was supposedly locked to where no one could get to it. I used my account for a small business nothing big or fraudulent they closed me down kept my monet an refuse to answer any emails. They never did an investigation or even contacted me. This was from XXXX XXXX XXXX XXXX XXXX Then put on my accpunt it will be closed by XX/XX/XXXX that was it. Now i can't pull up any transaction or disputes or anymoney they should of paid that actually adds up to about XXXX an kept money on my old card for XXXX. I have no way of reaching g them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion and Equifax for reporting a duplicate XXXX XXXX XXXX account ( # XXXX ) with an incorrect balance of {$1100.00} on my credit report. 

This account is already being reported correctly under account # XXXX with the accurate balance of {$730.00}, as verified by a letter from the creditor ( attached ). XXXX has already deleted the duplicate account after reviewing the same information. 

Despite notifying both bureaus and providing documentation, they continue to report this inaccurate and duplicate tradeline, which violates the Fair Credit Reporting Act ( FCRA ) 1681i. 

I am requesting immediate deletion of account # XXXX and written confirmation from both bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
I open up and account with self I put money into the saving and the prepaid part of the card to be used I put {$720.00} in the accounts I seen they were taking my money every time I was putting money on the card went from {$720.00} to XXXX to {$96.00} to me owing them money then they said I was owe {$140.00} they took {$43.00} for interest then took the {$100.00} took all my money sent me some crazy broke down of my money and what it was used for I asked them multiple times for my money they only reach out to me XXXX time I look up 2 years later they have put this on my report talking about I missed payments first I closed the account I missed payments to money that's mines every dollar in that account belong to me SELF never gave me anything they said the card was to help they never reported me paying money to the card yet they report me as being Delinquent on money that belong to me look at the reviews on XXXX XXXX  they have took so many people money closed accounts and you can't get through to anyone don't go with self they also own XXXX and they did the same to me when I closed that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a short time checking and savings account holder of TD Bank ( account opened in XX/XX/XXXX location XXXX, New York ). During that time I have been subject to an excessive fraud prevention dragnet where XXXX Bank has shut down access to my checking account at inappropriate times resulting in financial loss and reputational embarrassment such as : XXXX ) at ATMs after hours when a branch is not open for service ( more than XXXX ) XXXX ) unable to make XXXX transactions and facilitate vendor / service provider payments ( more than XXXX ) XXXX ) executing ACH transfers to and from my checking account ( 3x ) I have made 4 formal complaints within TD Bank customer help, and at an NY branch in person. Each time the Bank being unable to explain why and what factors lead to the constant fraud alerts. 

When I grew tired of the inaction by the Bank, I informed TD Bank Customer Supervisors that I will be making formal complaints to the XXXX Banking Regulators. Immediately after which I was subject to APPARENT RETALIATION when TD Bank placed my entire account on security review WITHOUT INFORMING MEleaving me unable to conduct any banking activities across all my accounts ( checking, savings, and credit ) for a period of XXXX hours. 

Furthermore, I have repeatedly asked TD Bank to enroll me in their fraud alert notification system ( XXXX ) and I continue to receive XXXX notifications of fraud alert awareness. 

I have since opened a checking account with XXXX Bank, NA and XXXX Bank will not honor my ACH transfers requests in order to fund my new Chase checking account and close my TD Bank checking accountwhy? you guessed it fraud prevention. This is a CRUEL JOKE. 

I live in NY, and have traveled to CA to take care of family for a month. Today, XX/XX/XXXX, I was told by Customer Support by phone that if I want to initiate a wire transfer or an ACH transfer, I need to visit a TD Bank branch. THEY DONT OPERATE IN CA! 
This is an EVIL JOKE! 

TD Bank XXXX XXXX XXXX XXXX XXXX  - THATS A FUNNY JOKE! 

TD BANK actual service- A TERRIBLE JOKE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding two of my federal student loan accounts that have recently begun reporting 120-day late payment statuses on my credit reports. This information is completely inaccurate and was reported without any prior notification or communication from my loan servicer. 

I was not made aware of any delinquency, nor did I receive any warning, notice, or correspondence about late payments being reported. In fact, I only became aware of this change when I noticed the derogatory marks on my credit report and began researching online. I found that the federal student loan COVID-19 payment pause, which began in XX/XX/XXXX, ended in XX/XX/XXXX. Additionally, the Department of Education offered an on-ramp period to ease borrowers back into repaymentthis program ended in XX/XX/XXXX. During that on-ramp period, missed payments were not supposed to be reported as delinquent, and borrowers were protected from credit damage. 

According to the U.S. Department of Education and multiple published sources, late payments should not have been reported to the credit bureaus during that on-ramp grace period. I have never been 120 days late on my student loan payments. These delinquencies were reported without any opportunity to cure, without notice, and without merit. This reporting is not only harmful to my credit but also in clear violation of the Fair Credit Reporting Act ( FCRA ) and federal guidance regarding student loan reporting. 

I demand that both accounts be immediately updated to reflect a " Paid as Agreed, Never Late '' status and that the 120-day late payment marks be permanently removed from all credit bureaus. These accounts were in compliance during the forbearance and on-ramp periods, and reporting otherwise is not only incorrect, but also misleading and illegal. 

Please investigate this matter promptly and provide confirmation that the inaccurate information has been deleted and the accounts updated correctly. Failure to resolve this issue will result in legal action and formal complaints to additional regulatory agencies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NJ

Complaint narrative:
I looked at my Experian 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