vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am reporting identity theft after discovering multiple fraudulent accounts on my credit report. These accounts include XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, and collection accounts from XXXX XXXX XXXX. I did not apply for, open, or authorize any of these accounts or the related inquiries. These accounts were placed on my credit report as a direct result of identity theft. 

The unauthorized activity has caused significant hardship, including damage to my credit standing, increased stress, and difficulty obtaining necessary credit and financial services. This situation has affected both my financial stability and overall peace of mind. I am requesting the immediate removal or blocking of these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I filed for XXXX XXXX bankruptcy on XX/XX/year>, and I am protected under the automatic stay ( 11 U.S.C. 362 ), which prohibits creditors from collecting or debiting funds after the filing date.

Despite this, a transaction from XXXX posted to my Chase checking account on XX/XX/year>, the day after I filed. This charge was not authorized, especially under bankruptcy protection. 

At the time of the transaction : My Chase debit card was frozen Overdraft protection was turned off Chase should not have allowed this post-petition transaction to go through, especially when protections were in place. This action violated my bankruptcy protections and could potentially be treated as a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Product : Mortgage Issue : Incorrect escrow account handling Company : Select Portfolio Servicing , Inc. ( SPS ) Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX My mortgage with SPS was originated with no escrow account. My monthly payment was fixed at {$1400.00} for principal and interest only. 

On XX/XX/year>, I discovered that SPS had wrongfully charged escrow to my account, initially claiming it was due to unpaid homeowners insurance. I immediately paid the homeowners insurance in full to SPS on that same date {$920.00} to correct the record. 

Despite that, SPS continued adding escrow charges to my mortgage in XXXX, XXXX, and has already scheduled them for XXXX. They are now claiming the escrow is due to flood insurance, but : My unit is covered by a valid master flood policy through the XXXX, That policy was accepted at loan closing, It remains active and compliant, And there has been no FEMA flood zone change, no lapse in coverage, no delinquency, and no modification to my loan terms. 

Under the Flood Disaster Protection Act ( FDPA ), flood insurance is required for properties in XXXX but escrow is only required if the loan terms or compliance factors justify it, which they do not in my case. 

What Ive done to resolve this : I have made multiple phone calls and written submissions to SPS since XX/XX/year>. 

I submitted formal dispute letters multiple times, including the most recent on XX/XX/year>, clearly laying out all facts and demanding correction. 

I spoke to a supervisor, who acknowledged the issue and claimed it would be sent to escrow review but I was told to wait another 15 days, with no action taken so far. 

I continue to receive generic denial letters that do not address my case specifically. 

This is a clear servicing error and a violation of the original mortgage agreement, and it is now financially harming me month after month. 

What I want SPS to do : Immediately remove all flood insurance escrow charges. 

Reimburse all escrow amounts collected from XXXX through XX/XX/year>. 

Restore my original monthly payment of {$1400.00}. 

Provide written confirmation that my mortgage will remain escrow-free as agreed at loan closing. 

I have made every effort to resolve this directly with SPS and am now requesting CFPB intervention.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I recently discovered an unauthorized account on my credit report. I have never applied for or accepted credit in connection with this account.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MD

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: KY

Complaint narrative:
TransUnion reported a hard inquiry from XX/XX/year>. This was an unauthorized inquiry from XXXXXXXX XXXX I do not have a XXXXXXXX XXXX account and have never applied for credit with the company. I've contacted both XXXXXXXX XXXX  and TransUnion several times with no success. I want this hard inquiry removed from my TransUnion credit report

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 2025-07-17 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: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I applied for credit with Goodleap on XX/XX/XXXX. This was supposed to be a soft inquiry. I again applied for credit with Goodleap on XX/XX/XXXX. I was approved for both loans. On XX/XX/XXXX Goodleap made another hard inquiry on my credit that was unauthorized. I did not apply for credit. Goodleap did send me a text message soliciting a mortgage loan. I did not respond to this text/solicitation. XXXX minutes after I received the text, I was notified that Goodleap had made a hard inquiry on my credit. I contacted Goodleap on XX/XX/XXXX to inquire as to why the inquiry was done. They would not provide me with any information or answer why they had made the inquiry without verbal or written authorization from me. I believe it is related to the solicitation of the mortgage product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 submitting this formal complaint against Experian and XXXX XXXX XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ), as reflected in my credit report dated XX/XX/year>. These entities are either furnishing inaccurate and unverifiable information or failing to comply with dispute and reinvestigation obligations as required by federal law. 

Details of the Violations : XXXX. Experian Failure to Investigate ( FCRA 1681i ) I submitted disputes regarding several accounts on my Experian report, most notably : XXXX XXXX XXXX ( {$11000.00} ) XXXX XXXX XXXX ( {$840.00}, duplicate of XXXX charge-off ) XXXX XXXX XXXX XXXX XXXX XXXX, unresolved ) Experian failed to conduct a reasonable reinvestigation and continued reporting these items without proof or proper validation. 

This aligns with the CFPB 's own lawsuit alleging sham investigations by Experian. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA XXXX XXXX  FDCPA XXXX ) I have requested validation of the debt they claim I owe. 

XXXX has failed to provide : A signed contract Itemized charges Proof they own or have been assigned the debt Despite this, they continue to report the account to Experian as unpaid, causing damage to my credit. 

XXXX. Experian Reporting Inaccurate and Duplicate Information ( 1681e ( b ) ) The same debt ( XXXX ) appears twice under different names : as a charge-off and a collection. 

Several old, closed, or settled accounts are still being reported with derogatory indicators or incorrect balances.

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 2025-07-17 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: GA

Complaint narrative:
I have notice several inaccuracies reporting on my credit report that needs attention

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 2025-07-17 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:
I have notice several inaccuracies reporting on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX as defined under the XXXX  Victims Protection Act XXXX XXXX XXXX  and applicable state laws. As a direct result of being XXXX multiple fraudulent accounts, debts, and financial obligations were opened in my name without my knowledge, consent, or benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list below violates my protected consumer rights. XXXX USC XXXXi XXXX, XXXX USC XXXXs-2, XXXX USC XXXX ( e ) ( b ). XXXX has not reinvestigated this complaint XX/XX/XXXX, or XX/XX/XXXX. This inaccuracy is XX/XX/XXXX and they shall not be on this file. they were to promptly delete as this was a complaint and based off of their non reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I am filing this complaint against Equifax and XXXX XXXX XXXX for their reporting and handling of a collection account totaling {$11000.00}, originally from XXXXXXXX XXXX XXXXXXXX XXXX XXXX The account appears on my Equifax credit report as of XX/XX/year>, and is being reported as unpaid and past due despite lacking legal validation. 

Violations and Issues : XXXX. XXXX XXXX XXXX FCRA 609 + FDCPA 809 I have never received a copy of any original lease, agreement, or itemized breakdown from XXXX XXXX XXXX. 

I submitted a debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ) and FCRA 609, but no documentation was provided. 

Without validation, continued collection and reporting is unlawful. 

2. Equifax FCRA 1681i : Failure to Investigate I submitted a formal dispute to Equifax requesting reinvestigation of the XXXX XXXX XXXX account. 

Despite this, the account continues to be reported with no indication that a proper reinvestigation or verification was conducted, as required by law. 

3. Equifax FCRA 1681e ( b ) : Inaccurate Reporting Equifax is reporting this collection as accurate and valid, despite the fact that : It lacks supporting documentation It appears on multiple credit reports ( including XXXX ) It is potentially duplicative of an account already written off by the original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Current solar company is filing XXXX  XXXX bankruptcy. Said company ( XXXX ) continues to withdraw {$150.00} per month every XXXX of each month and it continues to each.

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 2025-07-17 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: FL

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

Company response to consumer: Closed with non-monetary relief