vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the night of XX/XX/XXXX, I was robbed at knifepoint and my phone was stolen. The attackers gained access to several of my financial apps and began initiating unauthorized transactions around midnight on XX/XX/XXXX and XXXX. 

Using XXXX XXXX ( which I was unaware was active ), the assailants sent XXXX separate {$2500.00} payments to themselves in rapid succession, totaling {$7500.00}. They also withdrew {$1000.00} from an ATM, and attempted to purchase cryptocurrency using my XXXX and XXXX accounts. My phone and accounts were secured with complex passwords and biometrics, but the attackers still managed to bypass the security measures. 

I filed a police report immediately and submitted fraud claims to Chase Bank. After approximately a month, Chase reimbursed the {$1000.00} ATM withdrawal but denied reimbursement for the {$7500.00} in XXXX XXXX transactions, despite my clear statement that these were unauthorized and the result of an armed robbery. I have provided Chase with everything they have asked for including the police report. I should also mention that my Chase debit card was connected to XXXX XXXX. 

I am now attempting to reopen the fraud claim with Chase and also seeking assistance from XXXX XXXX ( XXXX XXXX XXXX, but so far the response from both companies has been unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-03 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-03 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-03 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: AR

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I made a payment to Valley Bank in the amount of {$1900.00} to pay off my automobile loan money went out on XX/XX/year> from my account. 

And I received a letter from Valley bank stating that my account is " PAID IN FULL '' and bank released car title to me so I was able to transfer title to my son. 

On XX/XX/year>, I received a statement from Valley bank again, says that i still owe them balance of {$24000.00} for the same account that was " PAID IN FULL '' I went to one of the local branch office and talking to a senior banker and asking for further information and he wasn't able to provide any explanation. 

I feel that this is a bank fraud and trying to scam innocent consumers because we don't understand how bank system works. 
Pay off amount ( {$1900.00} ) was calculated by the Valley bank and i paid it in full. 
Valley bank wrote a PAID IN FULL letter and released the title to me. 
I did not calculate the payoff amount, bank calculated, I don't think this is fair for consumers, it's all favors bank. 

I have all the proof of payment that i made and PAID IN FULL letter from the bank but having difficulty to attach files here, please feel free to contact me if you need it. 
Thank you,

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

Complaint narrative:
I have noticed unauthorize accounts on my credit report I did not approve, and it is damaging my credit and personal life.

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 2025-06-03 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:
By my understanding, I have the right to privacy under the Fair Credit Report Act. I did not authorize these items listed below. I request that these items be removed permanently from my credit report. XXXX, XXXX XXXX, XXXX XXXX, and XXXX  It is my understanding that the creditor bought debt without a wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C. 1605 ( Definition of Finance Charge ), 15 U.S.C. Sec 1681 C-2, 15 U.S.C 1662 ( Advising of down payment and installments ), 15 U.S.C 1635 ( Right of Rescission )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
By my understanding, I have the right to privacy under the Fair Credit Report Act. I did not authorize these items listed below. I request that these items be removed permanently from my credit report. XXXX, XXXX XXXX, XXXX XXXX, and XXXX  It is my understanding that the creditor bought debt without a wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C. 1605 ( Definition of Finance Charge ), 15 U.S.C. Sec 1681 C-2, 15 U.S.C 1662 ( Advising of down payment and installments ), 15 U.S.C 1635 ( Right of Rescission )

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 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.

Complaint narrative:
Mr Cooper is my mortgage company. 
Our XXXX XXXX XXXX is included in our mortgage payment. We recently changed XXXX XXXX and notified Mr Cooper. I received notification that they had no XXXX on file, so my XXXX XXXX and I got on their website, XXXX. We both download the information we both receive confirmation of receipt. I later received notice that all information received and no further action is needed. Fast forward, I receive an email that they have placed XXXX on my property at almost XXXX times the cost. I call, and their AI just runs you in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against Equifax Violations of the Fair Credit Reporting Act ( FCRA ) Consumer : XXXX XXXX | DOB : XX/XX/XXXX Dear CFPB, I am formally filing a complaint against Equifax for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, through the continued reporting of inaccurate, outdated, and misleading information on my consumer credit report, despite prior dispute attempts and legal obligations. 

Upon reviewing my most recent credit report dated XX/XX/XXXX, the following violations were identified : Specific Violations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a charge-off status with an inaccurate removal date of XX/XX/XXXX, violating FCRA 605 ( a ) ( 4 ) as it exceeds 7 years from the Date of First Delinquency ( DOFD ). 

Balance reporting is inconsistent with historical activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improper reporting of both pays-as-agreed statuses and simultaneous charge-offs/past due amounts, violating FCRA 1681e ( b ) which mandates maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting continuous collection balances without validating the debts, as required by FCRA 809 ( b ) under FDCPA for debt buyers.

Failure to address prior disputes and remove or correct erroneous data within 30 days, violating FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re-aging accounts by continuing to report past due balances post charge-off a direct violation of FCRA 623 ( a ) ( 5 ).

Failure to conduct reasonable reinvestigations or correct inaccurate information in response to prior disputes, violating FCRA 611 ( a ) ( 1 ) ( A ). 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX  auto insurance policy through XXXX XXXX XXXX. I paid the full six-month premium upfront, which was {$1100.00}. 

About a month later, I called XXXX to ask how much additional premium would be required if my daughter, who was visiting from XXXX, were to drive my car. During that call, the XXXX representative asked me about my driving history. I answered honestly and explained that I had not been driving in the U.S. for more than five years. Based on that, they informed me that an additional premium would be necessary due to my lack of recent U.S. driving experience. 

I then called XXXX XXXX XXXX to ask why this information hadnt been requested or clarified when I first purchased the policy. The representative I spoke with told me that he assumed I had a longer U.S. driving history because I had moved from South Carolina. I explained that I had never lied or withheld any information. I didnt know that my U.S. driving history would significantly affect my premium. While Ive been driving in XXXX for over 20 years, my U.S. driving record is indeed shorter. 

Despite this, the agency proceeded with the insurance application without verifying this critical detail. Now he is asking me to pay the additional premium due to information he failed to collect in the first place. 

Even after I canceled the policy with XXXX, I continued to receive bills for the extra premium. I believe this situation is unfair and that the responsibility lies with the agency for not accurately handling my information from the start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
WAYPOINT RESOURCE GROUP has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I have no knowledge of an account like this and less that I have a balance in collection. This information was disputed through disputes by credit agencies and it never sent written information referring to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Let me be absolutely clear : this complaint is not being submitted in error. My credit report contains inaccurate and misleading information that fails to meet the standard of maximum possible accuracy, as required by law. These reporting errors are causing serious and ongoing harm to my financial standing and personal well-being. 
This continued inaction is placing an unacceptable burden on me, especially during an already challenging period in my life. I expect immediate attention and resolution.

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