vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
Dear Equifax, I am writing to formally dispute inaccurate and outdated information reported on my credit file concerning the account listed below : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : [ Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Reported by Equifax : Charged off with a {$780.00} balance as of XX/XX/XXXX According to official correspondence from XXXX XXXX XXXX provided in response to a CFPB complaint ( attached ), this account was charged off on XX/XX/XXXX and subsequently sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. After that date, XXXX XXXX confirmed that I no longer owed them a balance. 

Despite this, Equifax continues to report a {$780.00} charge-off balance and delinquent status, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ). Once a debt is sold, the original creditor must report a {$0.00} balance and reflect the account as 'sold or transferred '. 

Additionally, I was not provided with a 1099-C for this charge-off, and I am unaware of any active collection efforts by XXXX XXXX XXXX. If the debt has been discharged or abandoned, reporting it as active without tax documentation could create both consumer rights and tax compliance issues. 

To further complicate the matter, if XXXX is also reporting this debt separately without the original tradeline being marked as transferred or updated, it creates a duplicative negative effect on my credit file. 
Finally, I have not received a proper method of verification per FCRA 1681i ( a ) ( 7 ).

Requested Actions : - Immediately correct the balance to {$0.00} on this tradeline - Update the status to 'sold or transferred ' - Or, delete the tradeline entirely if you can not verify its current accuracy - Provide the name, address, and phone number of the data furnisher used for this verification Please respond within 30 days as required by law. Failure to act will result in additional complaints filed with the CFPB and FTC, and I reserve my right to seek legal counsel under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I want this item removed from my credit report under the laws that protect consumers. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate or outdated information. If this is related to identity theft, the Fair Credit Billing Act and identity theft laws require it be removed. The law states that false or fraudulent reports must not stay on my report longer than the law allows. I did not authorize this account, and its based on identity fraud. I am asking for swift action to delete this from my report and take no longer than the legal limit. This inaccurate entry harms my credit and must be corrected immediately under these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
After a reasonable opportunity to inspect the goods l wanted to communicate about the default in the installment contract which is materially defective and incorrect causing a default to payment. I peacefully requested a default balance and for them to investigate for any wrongdoings, any type of default into the installment contract so that any important information may be obtained and deemed necessary to c u r e s a i d default. 

Also, after a reasonable opportunity to inspect the goods related to the agreement I believe there is a possible mistake on the statement and error on the account. I attempted to return and rightfully reject the good. I requested that they inspect it for missing terms, provisions and requirements for payments in accordance with the agreement and have the non-conformity seasonably cured These we're two separate messages, however it was combined by XXXX Please see the attached documents from XXXX XXXX XXXX XXXX response and the response from the individual that was sent via USPS Next Day to XXXX XXXX XXXX as instructed.

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 2025-05-30 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: NY

Complaint narrative:
After a reasonable opportunity to inspect the goods l wanted to communicate about the default in the installment contract which is materially defective and incorrect causing a default to payment. I peacefully requested a default balance and for them to investigate for any wrongdoings, any type of default into the installment contract so that any important information may be obtained and deemed necessary to c u r e s a i d default. 

Also, after a reasonable opportunity to inspect the goods related to the agreement I believe there is a possible mistake on the statement and error on the account. I attempted to return and rightfully reject the good. I requested that they inspect it for missing terms, provisions and requirements for payments in accordance with the agreement and have the non-conformity seasonably cured These we're two separate messages, however it was combined by XXXX Please see the attached documents from XXXX XXXX XXXX XXXX response and the response from the individual that was sent via USPS Next Day to XXXX XXXXXXXX XXXX as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
United Wholesale Mortgage has mismanaged my escrow resulting in an increase in my monthly payments of more than $ XXXX. I requested to do away with the escrow and they responded that I had to bring it even. I then submitted payment to bring it even and then they came up with additional barriers that will drag things out even further. This has been going on for a month. All they do is deny delay and obfuscate. I met their requirements and they just made up more. They have been provided written request to take an action according to their policies and my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
debt was disputed based on the fact the company is reporting incorrect information on my credit report. which they state the account was opened XX/XX/XXXX. I was born XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
during the month of XX/XX/year> my Chase bank account got hacked and i reported that i did not authorized and do these transaction with XXXXXXXX XXXX with or thru my bank. i have no idea transactions were being hacked and Chase bank will not provide me further details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
On XX/XX/year> I was at XXXX XXXX in XXXX, GA and was offered a financing option by a store employee named XXXX. I specifically asked whether it would affect my credit or result in a credit card. I was told it was only a soft credit check and would not result in a new credit card account. 

Despite this, a hard inquiry was made on my credit report and a XXXX XXXX XXXX XXXX XXXX credit card was issued to me without my full knowledge or consent. I never intended to open this account. As soon as I realized what happened, I called XXXX XXXX and canceled the card immediately. I have never used the card. 

I disputed the account with all three credit bureaus. Experian has responded saying the account will remain on my report because XXXX verified it. However, the account should not exist at all due to the misleading and deceptive practices used during the application process. 

I am requesting that this credit card account and the associated hard inquiry be removed from my credit report entirely. This situation has negatively impacted my credit profile through no fault of my own. Please take action to correct this immediately.

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 2025-05-30 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: GA

Complaint narrative:
On XX/XX/year> I was at XXXX XXXX in XXXX, GA and was offered a financing option by a store employee named XXXX. I specifically asked whether it would affect my credit or result in a credit card. I was told it was only a soft credit check and would not result in a new credit card account. 

Despite this, a hard inquiry was made on my credit report and a XXXX XXXX XXXX XXXX XXXX credit card was issued to me without my full knowledge or consent. I never intended to open this account. As soon as I realized what happened, I called XXXX XXXX and canceled the card immediately. I have never used the card. 

I disputed the account with all three credit bureaus. XXXX has responded saying the account will remain on my report because XXXX verified it. However, the account should not exist at all due to the misleading and deceptive practices used during the application process. 

I am requesting that this credit card account and the associated hard inquiry be removed from my credit report entirely. This situation has negatively impacted my credit profile through no fault of my own. Please take action to correct this immediately.

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 2025-05-30 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:
On XX/XX/year> I was at XXXX XXXX in XXXX, GA and was offered a financing option by a store employee named XXXX. I specifically asked whether it would affect my credit or result in a credit card. I was told it was only a soft credit check and would not result in a new credit card account. 

Despite this, a hard inquiry was made on my credit report and a XXXX XXXX XXXX XXXX XXXX credit card was issued to me without my full knowledge or consent. I never intended to open this account. As soon as I realized what happened, I called XXXX XXXX  and canceled the card immediately. I have never used the card. 

I disputed the account with all three credit bureaus. XXXX has responded saying the account will remain on my report because XXXX verified it. However, the account should not exist at all due to the misleading and deceptive practices used during the application process. 

I am requesting that this credit card account and the associated hard inquiry be removed from my credit report entirely. This situation has negatively impacted my credit profile through no fault of my own. Please take action to correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-30 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to 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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My chime was hacked they stole over XXXX and chime wont do anything they make u wait XXXX even after u have submitted all the proof they need they dont do anything to help the customers they wont even issue a credit u can clearly see my acct was hacked and they make u wait 90 days they move entirely to slow like its their money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a {$100.00} transfer from my Bank of America checking account ending in XXXX, using the official domestic wire instructions provided by XXXX XXXX. 

Bank of America confirmed the transaction with Confirmation # XXXX and Trace Number XXXX. However, the funds never arrived in my XXXX account. XXXX claims they never received the wire. Bank of America insists it was sent properly. I am now caught between both institutions, and neither is taking responsibility or resolving the issue. 

I have spent over XXXX hours trying to resolve this by phone and online, with multiple call disconnections and no secure messaging options available. I am filing this complaint to demand a formal investigation and assistance in locating and recovering my missing funds.

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 2025-05-30 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding an inaccurate credit report entry associated with my as reported by Experian which is not a reflection of my actual payment history. I have previously disputed this with Experian, who did not complete a thorough investigation. 

XX/XX/XXXX account ( account number : XXXX ) reported a 30-day late payment for XX/XX/year> This discrepancy is particularly troubling as my credit report from TransUnion accurately shows no reported late payments, clearly indicating that I have managed my financial obligations diligently. The incorrect information reported by Experian has unjustly impacted my credit score and could potentially affect my financial opportunities. 

Despite my efforts to resolve this issue directly with both XXXX and Experian, the incorrect information remains on my credit report. I have enclosed documentation, including my payment records for XX/XX/year>, which unequivocally prove that all payments were made on time. 

I am seeking the assistance of the CFPB to investigate this matter thoroughly and ensure that Experian corrects this erroneous information. Accurate credit reporting is crucial for maintaining financial integrity, and I trust in your agency 's ability to facilitate a resolution. 

Thank you for your immediate attention to this issue. I look forward to your response and a favorable outcome.

Company response to consumer: Closed with explanation