vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$130.00} - Account # : XXXXXXXX XXXX XXXX - Balance : {$670.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$530.00} - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$160.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$130.00} - Account # : XXXXXXXX XXXX XXXX - Balance : {$670.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$530.00} - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$160.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK
State: OH

Complaint narrative:
Ive tried to contact this company numerous times. Im not sure if there were other companies that bought this collection company out, but they are very hard to track down or find out where theyre located. But Ive called every number I can possibly find. Originally they said I owed {$680.00} for a car loan which is not correct. That balance was paid off. When I tried to contact them to pay it anyway, they said my new balance was over XXXX because of interest and they wouldnt accept a lesser amount. This account is fraudulent and I need it taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sunbit, Inc.
State: NV

Complaint narrative:
On XX/XX/year> - I made a {$600.00} payment out of my XXXX account on my Sunbit Sheikh card ending in XXXX. 


However, XXXX, a Customer Service Lead for Sunbit claims the payment is being " blocked '' despite being withdrawn from my XX/XX/XXXX Checking Account and XX/XX/XXXXconfirming the payment has, in fact, been sent. 

Sunbit 's app keeps unlinking my bank account via the MX Verification link, and it appears my payment is stuck in some sort of ACH Purgatory. 

They have since locked my card and demanded a ridiculous amount of additional verification- which as of XX/XX/XXXX ( approx. 1 hour after requesting it ) - I supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
am filing this complaint regarding a missing XXXX transfer in the amount of {$990.00} that I initiated on XX/XX/year>, from my Capital One account to my XXXX account. 

Shortly after initiating the transfer, I was informed by XXXXXXXX XXXX that the transaction was rejected because I had recently requested to close my XXXX account. The account was closed before the transfer could be processed, and I was advised that the funds were returned to XXXX XXXX. 

As of today, the funds have not been credited back to either of my accounts ( Capital One or XXXX ). I have contacted customer service at both banks multiple times, but neither institution has been able to resolve the issue or confirm the current status of the funds. 

Additionally, I followed up with XXXXXXXX XXXX and they informed me that the funds were indeed returned to Capital One around the time of the account closure. However, XXXX is requesting documentation from Capital One to confirm that : The funds left my Capital One account, and The funds were not returned to XXXX. 

Here are the details of the transaction : Amount : {$990.00} Date of Transfer : XX/XX/year> Transaction ID : XXXX This issue has caused me significant inconvenience and financial concern, and I am requesting the CFPBs assistance in investigating this matter and ensuring that my funds are returned as soon as possible. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX Phone number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Request for Verification Information per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) This letter is a formal dispute regarding the accuracy and completeness of information on my credit report. I previously disputed the following accounts, and they have since been reported as " verified '' on my credit file.

Under my rights provided by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am demanding the following specific information for each of the accounts listed below : * A detailed description of the procedure used to determine the accuracy and completeness of the disputed information. I need to understand exactly what steps were taken to verify these accounts.

* The business name and address of any furnisher of information that was contacted in connection with the investigation of this information.

* A copy of the original contract bearing my signature for each account listed below.

Here are the accounts for which I am demanding this specific verification information : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a thorough response providing the requested details for each account as mandated by federal law. If you fail to provide this information, or if you can not verify these items as accurate and complete within the legally mandated timeframe, I demand that these accounts be immediately removed from my credit file.

Be advised that if a satisfactory resolution is not reached within the specified timeframe, I will pursue all available legal methods to ensure compliance with the Fair Credit Reporting Act.

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I hereby express my objection to the unauthorized sharing of my personal and financial information with third parties without my explicit consent. Under applicable privacy laws, including the XXXX XXXX and relevant Consumer Financial Protection Bureau regulations , financial institutions are required to safeguard consumer data and provide transparency regarding its use. Furthermore, I have formally requested specific loan-related information, which has not been provided to me in accordance with my rights as a consumer. Failure to comply with these legal obligations may constitute a violation of federal and state privacy laws, and I reserve the right to pursue appropriate legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper ( Nationstar Mortgage LLC ) charged me for force-placed insurance even though I have an active hazard insurance policy through XXXX. I submitted proof of coverage, and on XX/XX/XXXX, Mr. Cooper acknowledged in writing that my insurance was updated in their records ( Policy XXXX XXXXXXXX, effective XX/XX/XXXX XX/XX/XXXX ). 

Under 12 CFR 1024.37 ( RESPA ), mortgage servicers can not charge for force-placed insurance once proof of insurance is provided. I am requesting a refund of any overlapping charges and confirmation that force-placed insurance has been canceled.

They have denied cancellation and have not yet refunded the charges or adjusted my escrow account.

I am asking the CFPB to investigate and ensure the servicer complies with federal law. 

Loan XXXX XXXXXXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Reported 8 Credit Card Accounts to Transunion, Equifax and Experian as not my Accounts and requested removal of the Accounts or proof that the accounts were not for XXXX XXXX XXXX or some other XXXX XXXX and actually Accounts for XXXX XXXX XXXX. The credit reporting agencies responded claiming all disputed credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX collection was investigated and was accurate to include an unidentified Bank Loan. Fact that information could be for XXXX XXXX XXXX and some other XXXX XXXX but not XXXX XXXX XXXX was given no given any response by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Reported 8 Credit Card Accounts to Transunion, Equifax and Experian as not my Accounts and requested removal of the Accounts or proof that the accounts were not for XXXX XXXX XXXX or some other XXXX XXXX and actually Accounts for XXXX XXXX XXXX. The credit reporting agencies responded claiming all disputed credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX collection was investigated and was accurate to include an unidentified Bank Loan. Fact that information could be for XXXX XXXX XXXX and some other XXXX XXXX but not XXXX XXXX XXXX was given no given any response by credit reporting agencies.

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 2025-05-31 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: MO

Complaint narrative:
I contacted XXXX XXXX to dispute the unauthorized reporting of personal and financial information and demanded suppression under FCRA 602 and 604 ( a ). I never gave consent for this agency to collect or share data on me. XXXX  continues to report information that I did not authorize, which constitutes a privacy violation and lack of permissible purpose. 

Violations include : FCRA 602 Consumer privacy protections FCRA 604 ( a ) No permissible purpose FCRA 605A ( i ) Failure to block disputed info FCRA 611 ( a ) No reinvestigation or deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 regarding inaccurate credit reporting by Experian and/or Equifax. 
I settled the account in question for less than the full balance on XX/XX/XXXX - XX/XX/XXXX and have provided proof of the settlement agreement and payment confirmation. Despite this, Experian and Equifax continues to report a balance and shows the account as unpaid or charged off, which is false and misleading. 

This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain accurate and complete information in consumer credit files.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers failure to correct or update inaccurate information after being notified of a dispute. 

I have disputed this directly with Experian and Equifax, and I provided documentation, yet the inaccurate balance remains. I am requesting that the CFPB require Experian and Equifax and the furnisher to : 1. Conduct a proper reinvestigation.

2. Update the account to reflect the settled status and correct balance ( ideally {$0.00} or the agreed-upon settlement amount ). 
3. Delete the account if accurate reporting can not be verified. 

This inaccurate reporting is negatively affecting my creditworthiness and causing financial harm. I respectfully request the CFPBs assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a check using the deposit feature on chase app. It advertises the ability to access some of the funds next business. I made the deposit in the app around noon Friday. It went instantly to review. 

I called to cancel the deposit as I wanted to go down to XXXX XXXXXXXX XXXX to cash the check instead. Its a XXXX XXXX XXXX check from XXXX XXXXXXXX trustee. My case was dismissed and these were the funds that hadnt been allocated and were instead refunded back to me in the form a check. Its a government check and should have no issue processing. 

I was told by the rep that they couldnt cancel the deposit to wait for the check to come out of a pending status. They would be able to release the hold at that point. I received an email stating my funds wouldnt be released until XX/XX/XXXX! 

I called back after this email and was told it was still pending there end to wait for it stop pending either tonight or Monday to call once its happened. I checked my account today which is Saturday and the transaction has settled. I called customer service to be told that they wont remove the hold that I have to wait the entire 10 business days before they would release my funds. Nothing else they can do for me. 

If I would have known Chase was gon na hold my funds I would have taken it to bank that issued the check which is 3 blocks from my house. I read the disclosure before making the deposit. Nothing in it regarding a 10 day potential hold. But they have no problem advertising having access to almost {$300.00} while check is pending & adding if you deposit check before XXXX itll be available next business day. Why is there no disclaimer that you may hold check for 10 days? Its because no one would use the service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EGL US, LLC
State: MD

Complaint narrative:
I was in the process of checking my credit report and noticed unknown accounts. I have completed an identity theft report. Below are the accounts that I am unaware of : XXXX : {$11000.00} BMG Loans : {$10.00}, XXXX XXXX XXXX : {$2300.00} XXXX : {$310.00} XXXX  : {$280.00} XXXX XXXX {$1300.00} XXXX  : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I was in the process of checking my credit report and noticed unknown accounts. I have completed an identity theft report. Below are the accounts that I am unaware of : XXXX : {$11000.00} XXXXXXXX XXXX : {$10.00}, XXXX XXXX XXXX  : {$2300.00} Affirm : {$310.00} XXXX : {$280.00} XXXX XXXX {$1300.00} Affirm : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Louisiana ) online paying services glitched and charged me {$3700.00}. I pressed the option with the librarian manager watching to pay partial for what I actually owed {$15.00}. A second glitch occured in which I paid the {$15.00} and it charged me instead for the entire {$3700.00}. The library had contacted the directors and company who processes these payments and I called Regions bank. The company said the bank has to cancel and the bank said the company has to cancel. The company cancelled, faxed the information to regions to release my money to me after arguing with Regions for several hours and Regions provided information on how to get my money released back to me. Regions now refuses to release my money to me. It drained my bank account and I have bills that were pending that can not be paid for because Regions will not release my money to me even though we followed all steps correctly. Regions bank is choosing to hold my money hostage. We may have to pay a NSF charge because Regions will not release my money. If a charge can go through and barr me from my money for an entire weekend, I need to know why the funds can not be placed back when I and the company have followed all directions given for access to my money. This is NOT the fault of me or the library, it was a glitch in an automated system. I have all documentation, time stamps and evidence.

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