vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX - {$410000.00} DPEDXXXX XXXX XX/XX/XXXX - {$7500.00} XXXX XXXX XXXXXX/XX/XXXX - {$28000.00} DPEDXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$5200.00} DPEDXXXX XXXX  XX/XX/XXXX - {$8900.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  XX/XX/XXXX - {$2500.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$2000.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$270.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$3400.00} DPEDXXXX XXXX  XX/XX/XXXX - {$2200.00} XXXXF - XX/XX/XXXX - {$99000.00} DPEDNXXXX - XX/XX/XXXX - {$10000.00} DPEDXXXX XXXX XX/XX/XXXX - {$3800.00} DPEDXXXX XXXX  XX/XX/XXXX - {$14000.00} DPEDXXXX XXXX XX/XX/XXXX - {$3000.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$3700.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$4700.00} DPEDXXXX XXXX XX/XX/XXXX - {$9900.00} DPEDXXXX XXXX  XX/XX/XXXX - {$4200.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$2600.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$7500.00} DPEDXXXX XXXX XX/XX/XXXX - {$4100.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$4700.00} XXXX XXXX - XX/XX/XXXX - {$4600.00} XXXX  - XX/XX/XXXX - {$4300.00} XXXX XXXX  - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XX/XX/XXXX - {$23000.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$54000.00} XXXX/XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
Ive recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit reports. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposit a check for XXXX. The bank informed me they couldn't release it for different reason. At first they said I had to update my name on the secretary of state to prove I am the owner of the business. I paid {$75.00} and update my name. 
Then they state they needed to verify the maker of the check. The maker of the check and I went together inside the branch with photo ID AND also receipt from the original transaction. 
Chase bank then released the additional funds in my account but still won't release the check after the maker confirmed. They then informed me they don't do in branch verifications and is not giving me another way to resolve the issue to collect my money. I recorded every call with them and you will hear they keep changing the story on why they holding the check. One representative even informed me the check were mailed out already. 
DONT BANK WITH CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a zelle transfer was made to a real estate agent fraudulently collecting rents on behalf of a property management for a unit in the building as a " sublease '' which an agreement was signed prior to funds being transferred. The individual is no longer a licensed agent and I filed a report on her within the sending bank institution, Wells Fargo, her bank was XXXX XXXX XXXXXXXX, and the funds were transmitted via XXXX payment in the amount ( s ) of {$2500.00} and {$200.00} for a total deposit of {$2700.00}. I was requested to submit a claim to the bank, Wells Fargo about this transfer after the property manager requested me to leave the unit and dishonored the sublease and reported that no funds for rent were received for the past few months. I filed the claim in XXXX and received a response in XXXX which did not resolve the matter internally within the banks themselves. The receiving bank, XXXX XXXX  XXXX, did not respond to the sender bank, Wells Fargo, so I escalated the claim again in early XXXX. The response was not provided by the receiving bank and the final claim submission was on XX/XX/XXXX, to the Wells Fargo XXXX Claims ( online ) specialists department under claim ID XXXX. This claim closed due to the receiver bank being non-responsive. I sent documents to XXXX and they did not respond to the supporting documents. The final complaint ID XXXX was sent to the Wells Fargo Executive Office number XXXX XXXX ) XXXX and I am still waiting for the investigation to be conducted at the receiver 's bank, XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I ordered a projector screen from XXXX on XX/XX/year> ( see uploaded invoice ). 

On XX/XX/XXXX, I received a phone call from a courier that they are attempting to make a delivery and if I would be home. Upon their arrival and after opening up the rear gate to their truck, I viewed a severely damaged item. 

I quickly called XXXX, which didnt please the delivery crew because of the time it takes to get a live person from customer service. I explained the situation to XXXX and they said I could either refuse the damaged shipment or accept it and then process a return. I stated that I would refuse the shipment and in my mind, it didnt make sense to send multiple trucks and incur additional cost to implement a return. 

I signed the driver documents as Refused upon delivery due to excessive damage and left with the screen. 

I then called XXXX again to attempt to get a replacement. From the time of the order until the refused shipment, the price had increased, and XXXX said the only way to send another unit was if I was willing to pay the difference. I told them I was not willing to do that and just cancel the order Attached is all the proof of the rejected shipment and XXXX will not issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
I am disputing a XXXX credit card account ( originally issued by XXXX ) that was sold to a third-party debt buyer. The original balance in XXXX was approximately {$250.00}, but Experian is now reporting a balance of {$580.00} in XXXX. 

I have disputed this with Experian, requesting documentation that validates this increased balance. They verified the account as accurate without providing any proof or breakdown of the charges or interest. 

I have not received any supporting documentation from XXXX, XXXX, or the third-party debt buyer. If the current balance can not be verified with complete documentation, I am requesting the account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I am filing a complaint against XXXX XXXXXXXX XXXX ( XXXX ) for their handling of a private student loan serviced on behalf of XXXX XXXX XXXX XXXX XXXX for attendance at XXXX XXXX ( XXXX  XXXX XXXX Business Management program ). 

I was coerced into taking out XXXX different loan disbursements totaling {$35000.00} with a high-interest rate ( 12.9 % ) as a first time student with no credit history and no clear explanation of terms. XXXX  serviced this loan but failed to provide proper communication, clear payment tracking, or documentation. Despite making payments, the loan balance increased due to the predatory interest rate. I have also had difficulties accessing the loan agreement or full account history from XXXX. 

I request that the CFPB investigate XXXX for potential deceptive servicing practices, require that they provide all documentation, and assist in resolving or discharging this loan due to misrepresentation by the originating school and lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
I had a heloc with XXXX  mortgage company that was scheduled to be paid off on XX/XX/year>. The wire transfer was sent to XXXX on the day scheduled. XXXX decided to transfer the loan to XXXX  on the same day. Instead of paying off the balance. Interest started to accrue with XXXX even though full payment had been received by the lending group. Ive made 20+ phone calls to get the error fixed and the proper amount of intrest adjusted. They have over charged in interest and fees of over {$1300.00}.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate or incomplete information appearing on my credit report, as provided by the credit reporting agencies TransUnion, Equifax, and Experian. I have identified the following errors that are negatively affecting my credit profile : Late Payments Credit Cards and Auto Loans My report reflects XXXX late payments on a credit card account and XXXX late payments on an auto loan account. I am requesting a thorough investigation into these entries. I do not have records confirming these delinquencies and believe they may be reported in error or without proper documentation.Collection Account There is a collection account with a balance of {$590.00} reported across all three bureaus. I was never notified of this debt and believe it may be inaccurately reported or unverifiable under the Fair Credit Reporting Act ( FCRA ) .Account Status Discrepancies My reports show varying data under delinquent and derogatory accounts. The inconsistency raises concern over the accuracy of the reporting. I request a verification and correction of any misreported items.Under the FCRA, I am entitled to a fair and accurate credit report. I am requesting that the CFPB conduct an investigation into these accounts and ensure the credit bureaus verify the accuracy of the information. If the information can not be verified, I request that it be removed or corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-09 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax and TransUnion due to their ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ).

I submitted a formal Identity Theft Report along with a sworn Affidavit of Identity Theft via certified mail with return receipt to both Equifax and TransUnion on XX/XX/year>. I have received green card receipt from USPS, still no acknowledgment from Equifax and Transunion. Under 15 U.S.C. 1681c-2, I lawfully requested the permanent block of all tradelines associated with fraudulent activity on my credit report. 

Despite receiving my legal notice and documentation, both Equifax and TransUnion have continued to report the same fraudulent accounts negatively on my credit file. This has caused ongoing financial harm, emotional distress, and reputational damage, violating my federally protected rights.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the permanent block of all fraudulent accounts associated with the identity theft and compel Equifax and TransUnion to fully remove this information from my credit file.

Additionally, I am demanding statutory compensation of {$1000.00} from each agency for willful noncompliance and violation of my rights under the FCRA and TILA. Their failure to honor a lawful block request, despite receiving certified documentation, is a clear breach of their legal obligations to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against XXXX  and XXXX  due to their ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

I submitted a formal Identity Theft Report along with a sworn Affidavit of Identity Theft via certified mail with return receipt to both XXXX  and XXXX  on XX/XX/year>. I have received green card receipt from XXXX, still no acknowledgment from XXXX  and XXXX. Under 15 U.S.C. 1681c-2, I lawfully requested the permanent block of all tradelines associated with fraudulent activity on my credit report. 

Despite receiving my legal notice and documentation, both XXXX  and XXXX  have continued to report the same fraudulent accounts negatively on my credit file. This has caused ongoing financial harm, emotional distress, and reputational damage, violating my federally protected rights. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the permanent block of all fraudulent accounts associated with the identity theft and compel XXXX  and XXXX to fully remove this information from my credit file. 

Additionally, I am demanding statutory compensation of {$1000.00} from each agency for willful noncompliance and violation of my rights under the FCRA and TILA. Their failure to honor a lawful block request, despite receiving certified documentation, is a clear breach of their legal obligations to consumers.

Company response to consumer: Closed with explanation