vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK XXXX XXXX XXXX * * * * - Balance : {$6700.00} - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX * * * * - Balance : {$5100.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was contacted by a collection agency about a {$100.00} debt for XXXX XXXX. I never lived at this apartment and therefore do not owe this debt. The agency told me to bring a money order, but I did not. I am disputing this debt and request that the collection account be removed and that I not be contacted further regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or around XX/XX/year>, my wife called Chase to downgrade her personal XXXX XXXX XXXX to a Freedom Unlimited Card. I didn't hear the call, but by her account it was smooth and unremarkable. The Chase rep confirmed that her request had been completed. 

On XX/XX/year>, I noticed that Chase had product changed my XXXX XXXX XXXX to a Freedom Unlimited. My wife is an authorized user on my card but I am the primary user. I called Chase and they confirmed what had happened : my wife 's XXXX XXXX XXXX is not closed and mine has been product changed. In the course of the call I was able to get a Chase rep to confirm the data breach and to get them to " reverse '' the product change, although I was told that can take up to XXXX business days. 

This leaves me with XXXX concerns, XXXX far larger than the other : XXXX. My wife was allowed to perform major actions on my account without my permission or consent. Frankly, I am unable to apprehend why my banking/credit information was even available to the rep with whom my wife spoke. This is a major breach of security and of the trust that I would like to have in my banking relationships. I would like a detailed report from Chase of how this security breach happened and what steps they are taking to ensure it will not happen again. 
XXXX. My XXXX XXXX XXXX will not have the functions of that card for another 10 days. This is a substantial inconvenience, as it will diminish my ability to use Chase for travel, to transfer points, and to receive the benefits for which I pay a {$95.00} annual fee. As such, I am also requesting compensation in the form of a statement credit for the partial or full value of the annual fee. 

All this and my wife still has to call and cancel her card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
The mortgage company changes escrow every single month, charging almost over {$1000.00} on our mortgage. The mortgage amount changes every month without prior notice, and after resolving the insurance and taxes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I moved out of XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX due to a COVID-related eviction. After move-out, the creditor confirmed in writing that the balance was a XXXX settlement amount, not an active lease. Their email states : Original balance : {$4500.00} Settlement offer : {$3300.00} Amount paid : {$2200.00} Remaining balance : {$1000.00} No minimum payments, no due dates, and no monthly rent obligations after XXXX Despite this, Experian is reporting more than 100 months of delinquency after I moved out. When I disputed the inaccurate late-payment history, the furnisher changed the reporting and is now showing monthly XXXX entries for XXXX, XXXX, XXXX, XXXX, and XXXX including future dates that have not occurred yet. 

Reporting future derogatory events and collection activity for months when no debt existed violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards. Adding new derogatory information after a consumer dispute violates FCRA 623 ( a ) ( 3 ). 

This account is a closed XXXX settlement balance, not an open rental account and not a recurring monthly debt. The current reporting is inaccurate, misleading, and unlawful. I am requesting full deletion of the tradeline from Experian.

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 2025-12-02 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-02 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and permissible purpose of the XXXX XXXX charged-off collection account ( Account No. XXXX ) currently appearing on my Experian credit report. 

Upon reviewing my credit file, I identified this entry as inaccurate and improperly reported. I request that Experian conduct a reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) and remove this account if it can not be fully verified with complete accuracy and lawful permissible purpose. 

1. Lack of Permissible Purpose Under 15 U.S. Code 1681b ( a ) ( 2 ) According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a credit report when it has received authorization from the consumer or when a court order permits such disclosure. I do not recall ever providing any ongoing authorization for XXXX XXXX or any third-party collector to continue accessing, furnishing, or reporting information related to this alleged account. 
If this account is being reported or updated without permissible purpose, it is a violation of this statutory provision. 

2. Verification Required Under FCRA 611 Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that Experian : Investigate the accuracy of this XXXX XXXX account ; Obtain written verification of the alleged debt, including full accounting, ownership, and the basis for reporting ; Provide me with the results of this reinvestigation in writing. 

If the furnisher can not validate the account with complete documentation and lawful purpose, you are required to delete the account from my credit file. 

XXXX. Potential Inaccuracies in Reporting I request verification of, including but not limited to : The accuracy of the balance The date of first delinquency The charge-off date The ownership of the debt ( original vs. collector ) Any updates or re-aging of the account If any component can not be verified precisely as required under the FCRA, this account must be removed. 

Requested Action Please remove the XXXX XXXX charged-off collection account ( No. XXXX ) from my Experian credit report unless the furnisher provides complete, lawful, and documented verification. 

Please send me the results of your investigation and an updated copy of my credit report once completed. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ]

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 2025-12-02 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX, XXXX, XXXX, XXXX, 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 2025-12-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is a new complaint because my prior CFPB case was closed prematurely before I was able to submit my rebuttal. The banks response contained false, misleading, or incomplete information and did NOT address the actual issue, which remains unresolved. 

Goldman Sachs incorrectly continues to treat a legitimate merchant refund for a returned purchase as if it resolved an unrelated fraudulent transaction dispute.

This is the exact processing error that has been ongoing for nearly two years. Their response restates the same incorrect assumption and does not address : 1. Why the legitimate XXXX XXXX refund of {$2000.00} is being applied toward the fraudulent charge dispute. 


2. Why the fraud dispute was closed using a refund that belongs to a separate, unrelated transaction. 


3. Why the bank admits a processing error occurred but refuses to correct it.

4. Why the dispute was reopened multiple times over 18 months, which violates FCBA ( 2-cycle investigation limit ).

5. Why the merchant is being credited with a win for a transaction they never disputed.

6. Why the bank failed to separate the two transactions despite all receipts and documentation I submitted.

The prior complaint was closed without addressing any of these issues.

The dispute is still unresolved and the {$2000.00} error remains on my account.

This issue has now shifted from a dispute error to a regulatory violation, as the banks CFPB response misrepresents the facts and continues the same incorrect conclusion that created the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I initiated a mortgage application with Rocket Mortgage in late XX/XX/2025 for a home purchase in XXXXXXXX XXXX The agreed closing date was XX/XX/2025. 
Throughout the process, I provided all requested documentation within days of each request. All initially requested documents were submitted more than XXXX weeks before the scheduled closing date. 

My loan XXXX, XXXX XXXX, repeatedly assured us- both directly and through my real estate agent - that we were " good on timing '' and that the loan would close on schedule. On XX/XX/XXXX, after several missed planned calls with him, we finally got a hold of him and confirmed all the documentation we had sent. He also confirmed in writing, This is the XXXX XXXX, that we needed to move forward. 

On XX/XX/2025, my realtor confirmed with the loan XXXX that we were clear to proceed, with the closing simply shifting to approximately XX/XX/XXXX due to the XXXX holiday bank closures. 

In reasonable reliance on these repeated assurances, I : ( XXXX ) hired professional movers ; ( XXXX ) vacated our residence in XXXX XXXX, XXXX  ; and ( XXXX ) commenced a XXXX relocation to XXXX on XX/XX/2025. 

On XX/XX/2025, while I was in transit between states, I received communication from the loan officer 's assistant requesting documents I had submitted over XXXX weeks earlier. Upon inquiry, it became clear that no meaningful underwriting work had been performed despite weeks of assurances. 

The loan officer claimed he " didn't realize '' we were actively relocating- which is irrelevant. His representations concerned the loan status, not our travel plans. 
I am now stranded between states with : {$1400.00} in XXXX fees {$1500.00} in storage fees No housing after XX/XX/2025 [ TBD ] Housing until closing/arrival of personal goods A new estimated closing date of XX/XX/XXXX or later Rocket Mortgage 's loan officer made material misrepresentations about the status of my loan application that induced me to take costly action. My realtor can corroborate that she had difficulty getting responses from the loan officer throughout the process.

I am seeking : ( 1 ) reimbursement of all costs caused by this delay ; ( 2 ) waiver of lender fees ; ( 3 ) assignment of competent personnel to close this loan; and ( 4 ) a written commitment to a specific closing date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received emails to my legitimate account stating that I opened new accounts with citizens bank, XXXX XXXX, and XXXX XXXX They also put a hard inquiry on my credit report from lightstream bank.

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