vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are inaccurate and not properly verified. I have dispute this directly with the credit bureau and the furnisher but the late payments remain without properly validation or documentation under 15 usc 1681s-2 a furnisher must report accurate information. Under 15 usc 1681-I the credit bureaus must perform a reasonable investigation within 30 days neither of have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are inaccurate and not properly verified. I have dispute this directly with the credit bureau and the furnisher but the late payments remain without properly validation or documentation under 15 usc 1681s-2 a furnisher must report accurate information. Under 15 usc 1681-I the credit bureaus must perform a reasonable investigation within 30 days neither of have provided sufficient evidence to support the negative reporting.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Conclusion to complaint before.. 
Case XXXX XXXXXXXX Can my XXXX  benefits be garnished? 
Many XXXX   benefits are generally exempt from garnishment, except to pay delinquent taxes, alimony, child support, or student loans. 

XXXX  benefits that are generally exempt from garnishment ( except to pay delinquent taxes, alimony, child support, or student loans ) include : XXXX XXXX benefits XXXX XXXX XXXX  benefits XXXX  benefits XXXX  student aid XXXXXXXX XXXX XXXX XXXX XXXX  Benefits from the XXXX XXXX XXXX XXXX XXXX XXXX  benefits XXXX emergency disaster assistance They are taking from my XXXX XXXX  and 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted to contact the Bureaus concerning the absence of my credit report, despite my subscription to a monthly service with other credit monitoring providers. I have called, emailed, and mailed my documents to request an update in their system ; however, it has been XXXX months without any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I just received my XXXX credit report XX/XX/year> reports on my account are still incomplete and inaccurate which is a violation of XXXX XXXX XXXX ( b ) XXXX " i ( XXXX ) if after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

XXXX ( XXXX ) ( b ) ( iii ) a notice that, if request and is being requested by the consumer, a description of the procedure used to determine the accuracy, including the business name and address of any finisher of that information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; Also XXXX ( XXXX ) XXXX reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( b ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-13 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-13 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: FL

Complaint narrative:
My name is XXXX XXXX and I am a Victim of Identity Theft. I am in the process of trying to purchase a house and I have identified that there are a host of fraudulent accounts reporting on my credit report. I would like to take back my identity and clean up my credit profile. I have listed the accounts that are fraudulently reporting on my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX while mourning the loss of my dog, simply to ask the price of a puppy. They refused to tell me upfront. Who I believed was a XXXX then suggested checking if Id qualify for a payment plan to buy the puppy, but never disclosed this would be a XXXX  credit inquiry loan. Even after I said I had XXXX credit history, they failed to explain it would permanently impact my XXXX XXXX. I felt pressured to sign paperwork without proper explanation. Because of this, my starting credit dropped from the XXXX it would have been with a XXXX  card to XXXX, forcing me into credit before I was ready. I have XXXX  and XXXX XXXX XXXX which makes dealing with this extremely 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/year> sent XXXX using XXXX XXXX XXXX the bank says not received XXXX has gave me written evidence it was received I got hit with charges because this alot of customer have company in the money not sending money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AK

Complaint narrative:
I discovered errors in my student loan account, which is serviced by XXXX. I have been making consistent payments under [ specify your repayment plan, for example : Income-Driven Repayment ( IDR ) or Standard Repayment ], but XXXX  has failed to apply these payments correctly and has not accurately counted my qualifying payments toward Public Service Loan Forgiveness ( PSLF ).

I contacted XXXX  multiple times by phone and email to request a correction. Each time, I received different or incorrect information. At one point, my account was placed into forbearance without my request, which caused additional interest to accrue and delayed my progress toward forgiveness.

I also submitted my PSLF Employment Certification Forms, but XXXX  did not process them properly. My qualifying payment count remains incorrect, and my account history now shows inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AK

Complaint narrative:
I discovered errors in my student loan account, which is serviced by XXXX. I have been making consistent payments under [ specify your repayment plan, for example : Income-Driven Repayment ( IDR ) or Standard Repayment ], but XXXX has failed to apply these payments correctly and has not accurately counted my qualifying payments toward Public Service Loan Forgiveness ( PSLF ). 

I contacted XXXX multiple times by phone and email to request a correction. Each time, I received different or incorrect information. At one point, my account was placed into forbearance without my request, which caused additional interest to accrue and delayed my progress toward forgiveness. 

I also submitted my PSLF Employment Certification Forms, but XXXX did not process them properly. My qualifying payment count remains incorrect, and my account history now shows inaccurate information.

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 2025-07-13 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: AK

Complaint narrative:
I discovered errors in my student loan account, which is serviced by XXXX. I have been making consistent payments under [ specify your repayment plan, for example : Income-Driven Repayment ( IDR ) or Standard Repayment ], but XXXX has failed to apply these payments correctly and has not accurately counted my qualifying payments toward Public Service Loan Forgiveness ( PSLF ). 

I contacted XXXX multiple times by phone and email to request a correction. Each time, I received different or incorrect information. At one point, my account was placed into forbearance without my request, which caused additional interest to accrue and delayed my progress toward forgiveness. 

I also submitted my PSLF Employment Certification Forms, but XXXX did not process them properly. My qualifying payment count remains incorrect, and my account history now shows inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: U.S. BANCORP
State: CA

Complaint narrative:
Company : US Bank XXXX : Unauthorized XXXX  credit inquiries Date of Incident ( XXXX ) : XX/XX/2024, XX/XX/2024 US Bank pulled XXXX  inquiries on my credit report without permissible purpose or authorization ( FCRA XXXX ). I never applied for credit or services with them. These inquiries are damaging my XXXX XXXX. / demand immediate removal and corrective action. Previous disputes to US Bank were ignored.

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 2025-07-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EQ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
We closed escrow on our home at the end of XX/XX/year>. It was advertised as a fully remodeled property, featuring an upgraded master bathroom, a modern kitchen, and newly installed flooring. The seller, likely a house flipper, made cosmetic updates that appeared clean and modern on the surface. The home passed inspection, and no major defects were disclosed or flagged during the escrow process. 

Soon after moving in, however, we discovered a series of dangerous construction defects and serious structural concerns. These issues include : The master bathroom was remodeled without waterproofing ( no cement backer board or proper sealing ), which has now led to severe XXXX  XXXX. 
The master bathroom, master bedroom, master closet, and parts of the living room are now uninhabitable due to XXXX XXXX 
The roof was never certified, passed inspection, and now requires full replacement. 
The flooring throughout the house was improperly installed, is lifting and separating, and poses trip XXXX. 
The childrens bathroom shower and bathtub, which were painted over to appear new, are now chipping and flaking, exposing our kids to paint chips during bath time. 
Contractors have reported that the seller used drywall mud and paint to cover rotted fascia boards, concealing the damage instead of properly repairing it. 
All of these issues combined including the roof replacement, solar panel removal and reinstall ( which were installed after we moved in on a bad roof ), XXXX  XXXX, bathroom rebuilds, structural corrections, electrical hazards, and flooring replacement are estimated to cost up to {$100000.00}. That figure does not include legal fees or the cost of temporary housing for our family of XXXX while the home is being repaired. 

We filed a claim with our homeowners insurance, but it was denied. They stated that XXXX  is not a covered loss, and that damage caused by the neglectful or unlicensed work of a previous owner is also excluded. 

We have not missed any mortgage payments, but we are under severe financial hardship as a result of these undisclosed and unsafe conditions. We are currently applying for mortgage assistance and pursuing legal action, but we wanted to alert the appropriate agencies to the seriousness of our situation and ask for any support, oversight, or protection that XXXX be available.

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 2025-07-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a follow-up to a previous CFPB complaint I submitted regarding a charge dispute on my Citi XXXX card. I am still experiencing issues and want to formally request that the matter be reviewed by a XXXX dispute XXXX. 
My previous dispute was handled by offshore representatives who failed to resolve the issue effectively. There were multiple miscommunications and delays, and Ive been unable to speak with anyone based in the XXXX, despite repeated requests. 
I am asking that Citi escalate this dispute to a XXXX disputes department or XXXX resolution team so the issue can be reviewed properly. 
My original CFPB complaint number is XXXX I would appreciate your assistance in ensuring this matter is directed to someone in the United States who XXXX properly review the case and follow up with me. 

I have spoken with the merchant and XXXX told me they are trying to refund the charge back to my Citi card but the card is preventing.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
1. Remove the full {$3000.00} loan balance including interest since no purchase was made. 
2. Correct my payment plan to {$0.00} and close the account with no negative reporting. 
3. Remove all interest charges and cancel the loan entirely. 
4. Provide written confirmation that I am no longer responsible for this invalid charge. 

I did not use the Affirm virtual card to complete any purchase. Affirm acknowledged this but is still charging me as if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding the recent notification of the closure of my Chase bank accounts happening on XX/XX/XXXX. I have been a customer of Chase since XXXX, and I had disclosed at the time of opening my accounts that I would be working overseas in XXXX XXXX. I have never had any issues with my accounts until now. 

I have been a Chase customer for a few years and was later approved for a Chase XXXX XXXX card, which has an anniversary in XXXX. Throughout this time, I have wired my salary from XXXX XXXX to my Chase account, where I then disperse it to my XXXX XXXX XXXX XXXX account and my newborn sons custodial account with XXXX. Additionally, I have been regularly sending money to my wife and her relatives abroad. 

As a 1XXXX XXXX XXXX XXXX, I have always been diligent in managing my finances. Despite having a positive banking relationship with Chase, I recently received a notification informing me that they have ended our banking relationship without providing any clear explanation. When I reached out for clarification, I was informed that they are not required to provide a reason for closing my accounts. 

I would greatly appreciate your assistance in resolving this matter. Given my long-standing relationship with Chase and my consistent account activity, I believe that this closure may have been a mistake or misunderstanding. Please let me know what steps I can take to rectify this situation or if you require further information. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: ID

Complaint narrative:
On XX/XX/year>, I recently reviewed a copy of my credit report and was shocked to find out I have been the victim of identity theft. I do not recognize these accounts. Please delete from my credit report as they are hurting my ability to obtain credit. 
XXXX XXXX XXXXXXXX {$23000.00} XXXX {$6600.00} XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX  {$11000.00} XXXX XXXX XXXXXXXX {$5300.00}

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