vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MO

Complaint narrative:
i cant even begin to say how much time as been wasted without results but had I known that in the end it was equifax that was the thief and not the actula identity theft perpetrator who started this XXXX id be clear happy. 

So I call Equifax 2 or 3 days ago and asked about the false and fraudulent without a examination satisfactory answer. So finally I tell Equifax that after a few hours with XXXX, i am then re- directed to XXXX * ( parent companies ). XXXX  info is passed onto me and brings even greater resolve. XXXX  ACKNOLWEDGES THEY HAD THE DEBT BUT HAVE IDENTIFIED THIS AS A ROGUE ACCOUNT AND SENT IT TO EQUIFAX ASKING FOR A DELETION. EQUIFAX INSTEAD ASKS ME TO BE PAGTIENT WITH THIER INVESTIGATION WHICH COULD TAKE UP TO 30 DAYS/? By law yiu had 4 days. TEWICE! And now XXXX want another 30 days? NO WAY and XXXX AND IM COMING WITH AN ATTORNEY NEXT TIME. 

Shame on equifax for keeping derogatory information they know is untrue and dragging thier feet t delete the bad data and set me free. 

And shame on everyine else for XXXX  my XXXX  XXXX  as equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is shown on my credit file but is not mine. I officially dispute the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : JPMCB CARD XXXXXXXX XXXX XXXX XXXX XXXX  Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am disputing an invalid account reported by XXXX XXXX XXXX on my credit report. 

This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law. 

To Whom It May Concern, I am disputing the account reported by XXXX XXXX XXXX on my credit report. This account is inaccurate, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i and 1681s-2, you are required to verify the accuracy of any information reported. Since this account has not been properly validated and does not meet legal reporting standards, I am demanding its complete removal from my credit file immediately. 

Failure to comply will be considered a continued violation of federal 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday I contacted capital one customer support. My account is restricted. I was sent a link to send in and verify my identity and address. I was told I could use my bank statements. After submitting the information I received a call from someone who doesn't speak my language. I requested for someone who did. My request was ignored. I called back latter in the day. I was then told that my address that was submitted didn't match my bank statement that I submitted to prove my address. The same address that capital one sent a credit card too. XXXX that it's not the right address but yall sent a card to it XXXX XXXX. Wouldn't recommend this XXXX  to anyone who is looking at getting a credit card. In other words. XXXX your useless XXXX company. We don't have your address but can send a card to that said address. XXXX up and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
1. Payment Packing adding back-end products ( like warranties, XXXX, or service contracts ) without my informed consent. 
2. Double Dipping using my down payment as a discount while inflating the sale price via hidden additions.

3. TILA Violations ( Truth in Lending Act ) failure to properly disclose total loan terms and accurate finance charges.

4. FTC Act Violations deceptive unfair dealership practices.

5. Unfair Lending by Santander continuing to fund questionable deals.

6. Possibility of dealer fraud which voids the validity of the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
On XX/XX/year>, I mailed a formal dispute letter to Equifax with my proof of address, copy of social security card and identification, requesting verification of certain accounts listed on my credit report. Specifically, I asked Equifax to provide proof of contract bearing my signature for each of the accounts I disputed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, Equifax is required to conduct a reasonable investigation when a consumer disputes information on their credit report. However, I did not receive any documentation or signed contracts verifying that I agreed to the alleged debts. Equifax instead provided a generic response stating the accounts were verified without any supporting documentation.

This is a violation of the following consumer protection laws : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If the reinvestigation does not resolve the dispute, the agency must delete or modify the information.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information.

15 U.S. Code 1681g : Consumers have the right to receive all information in their file, including the sources and evidence used to verify accounts.

Equifax failure to provide proof of the alleged debts, such as a contract or application bearing my signature, and its refusal to delete unverifiable information constitutes non-compliance with these sections of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-07-24 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Great American Finance Co
State: FL

Complaint narrative:
They would would call me 5 times a day and from so many different phone numbers. I had to start blocking them. They would even try on weekends and there always automated calls never a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I had credit card debt with XXXX XXXX that I forgotten about, so they sent it to collections. This company calling themselves Aldridge, Pite and Haan LLP are posing as a law firm but the way they conduct business, I don't think they are. For months I had no way to see what my balance was on their website. I wanted to see what they have vs. what I have. I have kept detailed records of every payment I have made since XXXX XXXX. I know EXACTLY how much I owe. I have called multiple times and every single time they say they " can't access my account '' and a " higher up '' has to call me back. I have called four times AND I have contacted the XXXX. This so called law firm says the same thing every time. Someone will call me back. No one has EVER called me back. 
They recently updated their site so that the balance THEY have is finally visible. As I suspected, the balance they have is incorrect. I owe them {$2100.00}. And I have paid {$200.00} a month every month, on time, since XXXX XXXX  ( XXXX month I even paid a little extra because I could ). They have my balance as {$2200.00}. That is not correct. I have called AND contacted the XXXX telling them I just want my balance to reflect what I actually owe. Again, I have detailed records. I KNOW what I owe. 
These people are scammers! I do NOT think they are a law firm. If you go to the XXXX  site there are tons of complaints on this company. Please look into these people because they are scamming anyone unfortunate enough to have to deal with them and XXXX XXXX should be ashamed of themselves for using this fraudulent " law firm '' for debt collection. 
I just want my account updated! I owe {$2100.00}, NOT {$2200.00} and they will not be getting a cent more from me!!! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Hey I tried using my Zelle and then it got denied I was then followed up by an email stating my Zelle account is now suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, while in active loss mitigation for an FHA-insured mortgage, I was offered a loan modification through the FHA COVID-19 Recovery Modification program by the mortgage servicer. The proposed terms included a 7.25 % fixed interest rate and a monthly principal, interest, and escrow payment of {$2400.00}. This amount exceeds my financial capacity based on a gross monthly income of approximately {$5600.00} and total obligations of {$4900.00}.

The servicer did not offer or apply a Partial Claim, nor did they provide documentation showing that the interest rate was based on HUDs published market rate at the time. These actions appear to violate HUD policy under Mortgagee Letter 2021-18, which requires the use of a waterfall evaluation to achieve the lowest possible monthly payment, beginning with a Partial Claim and capping the interest rate at HUDs market rate.

I submitted a Qualified Written Request under RESPA, asking for a breakdown of the modified loan terms, the interest rate calculation, any Net Present Value ( NPV ) analysis performed, and confirmation that HUD guidelines were followed. To date, I have not received adequate explanation or an alternative offer that aligns with federal policy.

This complaint is being filed to request CFPBs assistance in ensuring that the servicer re-evaluates the loan under the proper FHA COVID-19 Recovery guidelines and offers a compliant, affordable modification with a monthly payment not exceeding {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-24 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My fha loan is now at a point for us to payoff. The balance showed an amount XXXX dollars more than the monthly payment. Their system refused to take the payment claiming it would be more than the loan. I called. They said they would send payoff to my document center on their webpage in XXXX hours and call me in the afternoon. They didnt do either. I am now locked out to make any extra payments to end the loan. I do not believe they will make the end of the month sending me payoff. They kept asking me when I wanted to payoff. Right now I said. Also sent this month a notice my homeowners was canceled. I am in XXXX  ins Florida. I can not be canceled unless non payment. XXXX paid them a year premium in XXXX. They threaten to add thousands to the end of my loan. My agent said they did know where XXXX got a cancellation date of XX/XX/year>. XXXX being a Florida company they know XXXXXXXX XXXX XXXX. Cant be canceled unless non payment but XXXX paid them and I have to be placed in a new insurance company within 20 % of my XXXX  cost. They knew I couldnt have canceled homeowners. They just want to keep people on the hook. I am XXXX. I have never missed a payment and always pay early for 15 years. Its shameful you allow this XXXX XXXX reviewed company service FHA loans. Theyre looking for consumer failure and if you arent failing they seem to want to add obstacles. Biggest purchase and most exciting to complete paying for our home and we get these shady people. Not helpful or even the best for the spirit of the FHA goals for people getting a shot to own their own home.

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