vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
So basically, at the beginning of 2024 o was locked out of my XXXX account for suspected fraud. I paid for a game pass subscription and XXXX XXXX Unfortunately due to XXXX lack of consumer customer service and inflexible fraud form I was never a me to reclaim my account. Despite this they continued to charge me and thus because I could not contact XXXX or close my account with them cause I was permently locked out I disputed my charges on my Goldman Sachs XXXXXXXX XXXX XXXX  and reported the issue to them to prevent the charges. Despite switching my card number I continued to be charged and I went through several back and forths with Goldmans customer service where nobody could stop the charges or protect me from this clear fraud. Goldman continued to provide my new card number to XXXX for over a year despite me constantly calling to complain and dispute charges which kept getting reversed in XXXX favor. I provided them all the evidence of being locked out of my account at XXXX and my attempts to cancel my account which were never addressed by XXXX. It took over a year for a manager to call me and admit that they were doing this to me, they literally admitted they were providing my card info to XXXX despite me reporting fraud for over a year and continuing to change my card number. I was mislead by customer service for over a year being told lies about what would solve the problem. Ultimately I submitted the final set of disputes ( probably the 10th time I reraised XXXX of dollars in transactions from XXXX and closed my account with them. Now they continue to charge me even though I have cancelled my account. They are now siphoning funds from my chase account. This has been abusive and criminal on their part and they should be fined into no existent and me reimbursed for all charges I promptly and continually reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: TX

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 2025-05-02 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:
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 non-monetary relief
Consumer complaint received 2025-05-02 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: NC

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 2025-05-02 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a complaint regarding the continued reporting of a XXXX XXXX XXXX account that is clearly past the applicable statute of limitations for credit reporting. The account, opened on XX/XX/XXXX, was charged off, with the last payment made on XX/XX/XXXX according to Experian and Equifax, and XX/XX/XXXX according to TransUnion. This account has now aged over XXXX years since the date of last activity and falls beyond the XXXX reporting limit established under the Fair Credit Reporting Act or negative information such as charge-offs. 

Additionally, the balance on the account is listed as {$0.00} and comments indicate it was purchased by another lender, yet it continues to show a negative charge-off status on all three credit bureauscreating an unfair and damaging impact on my credit profile. The inconsistent last reported dates, such as XX/XX/XXXX on Equifax, seem to be attempts to re-age the account, which is prohibited under FCRA guidelines. 

I am requesting that this account be immediately removed from all three credit bureaus due to being outside the allowable reporting period under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-02 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: MD

Complaint narrative:
Fraud alerts were not initiated by me, and I ask for their prompt removal from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
My credit was good then I started getting notifications that it wasnt. Ive tried to get it back and communicated but it hasnt worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-05-02 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: FL

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 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Company Name : LoanDepot Product : Mortgage Sub-product : VA Mortgage Issue : Was denied credit Sub-issue : Was denied credit but not given a reason why Consumer Complaint Narrative : I applied for a VA cash-out refinance loan with LoanDepot ( Loan # XXXX ). During the loan process, I was initially told by the company that I could not qualify because I was not currently living in the home. 

As a veteran, I knew this was inaccurate. I provided them with the exact regulation from the VA Lenders Handbook, Chapter 3, Section 3, which states that the veteran only needs to intend to occupy the home within 60 days of closing not at the time of application. The text reads : " The veteran must certify that he or she intends to personally occupy the property as his or her home. The veteran need not occupy the property immediately, but must personally occupy the property as his or her home within a reasonable time after loan closing ( normally 60 days ). '' After I submitted this evidence, a LoanDepot representative ( XXXX XXXX ) told me that the issue was resolved. Then later, I was told again that occupancy was still a problem. Eventually, I was notified that my loan had been denied. 

I received an email saying that the reason for the denial could be found in their Secure Document Portal. However, after completing the identity verification steps, I was never able to access or view the specific reason for denial. This is a violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ), which gives applicants the right to receive a statement of the principal reasons for adverse action.

I am requesting CFPB assistance in compelling LoanDepot to : Provide the specific underwriting or credit-related reason for the denial in writing ; Confirm whether the decision was based on the occupancy issue and, if so, provide the specific policy or rule they relied on ; Address any improper denial based on misinterpretation of VA occupancy guidelines. I have already filed a separate inquiry with the VA Regional Loan Center to investigate the matter from the VA side as well.

Desired Resolution : A full written explanation of the denial reason ( s ) Clarification of any policy used Review and correction of any improper handling of VA policy Potential reconsideration of my application if the denial was in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$1400.00} XX/XX/XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$1400.00} XX/XX/XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX early XX/XX/XXXX, I discovered a collection account from XXXX XXXX XXXX on my credit report showing an outstanding balance of {$330.00}. The report indicates the account was opened XX/XX/XXXX, with a date of first delinquency on XX/XX/XXXX, yet I have never opened or authorized any such account. 

Upon discovering this entry, I submitted a formal dispute and identitytheft notice, requesting that XXXX XXXX XXXX conduct a full reinvestigation, provide documentation of how the account was verified, and block or delete the account under 15 U.S.C. 1681c-2. Despite timely notice and supporting affidavits, the account remains on my report.

I believe this account was opened fraudulently using stolen personal datalikely obtained through multiple data breaches at industry companiesand its continued reporting is causing damage to my credit, emotional distress, and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CT

Complaint narrative:
XX/XX/XXXX Final CFPB Complaint Version Subject : Discover mishandled 0 % balance transfer offer and failed to follow through, causing interest charges I applied for a Discover credit card on XX/XX/XXXX, using a mailed 0 % XXXX balance transfer offer ( XXXX of XXXX personal invitations mailed in last XXXX months ) XXXX  days before my current accounts promotional period expired on XX/XX/XXXX. Shortly after applying, I received an email from Discover stating that the balance transfer could not be processed due to account standing. 

Then I received a call on my home phone from Discovers Fraud and Protection Services asking me to verify my identity. I called them back and completed the verification process, and the representative informed me they would send me a link and that they would hang up and call me back shortly to complete the process. I never received that return call. 

When I followed up on a later date, I was passed around from department to department with no resolution. During XXXX of these calls, I asked a simple and fair questionWhos going to pay the interest Im now accruing because Discover failed to complete the balance transfer? At that moment, the representative hung up on me. 

I have lived at the same address for XXXX  years and meet Discovers financial qualifications. I acted promptly and in good faith. Their internal mishandling, lack of follow-through, and poor customer service has now caused me to incur interest charges on the original balancethrough no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Self Financial Inc.
State: WA

Complaint narrative:
XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  : {$2500.00} XXXX  : {$2500.00} XXXX  : {$2700.00} I requested the original contract as well as the original policy I allegedly agreed to. I never recieved what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am a veteran and homeowner with a mortgage serviced by Freedom Mortgage. My issue involves improper handling of my escrow account. On XX/XX/2025, I discovered that my monthly mortgage payment had increased dramatically, from {$2600.00} to {$3600.00}, effective XX/XX/2025. The document titled XXXX Payment reflects this increased amount for the XXXX payment year. 

Upon review, I found that Freedom Mortgage had incorrectly added forced-placed home insurance to my escrow for the XXXX period, resulting in a significant and unjustified shortage. The document " XXXX Payment '' demonstrates : The correct XXXX monthly mortgage amount of {$2600.00}. 

An erroneous forced insurance charge of {$3800.00}. 

I contacted Freedom Mortgage on XX/XX/2025 to dispute both the escrow shortage and the forced insurance charge. I submitted valid proof of coverage through XXXX, including : Homeowners Insurance XXXX showing an active policy for {$1300.00}. 

XXXXXXXX XXXX XXXX XXXXent confirming the XXXX premium had been paid in full and carried a {$0.00} balance. 

Escrow Payment and Analysis, which lists the correct XXXX premium, yet still includes the erroneous {$3800.00} forced insurance and reflects the inflated monthly payment. 

These documents confirm that : Freedom Mortgage was fully aware of my existing and valid insurance policy. 

The forced insurance was added in error and without cause. 

My escrow analysis and subsequent payment increase are based on false data. 

Despite providing this documentation, I have not received a satisfactory explanation or any written acknowledgment from Freedom Mortgage. The issue appears to have been dismissed without proper escalation or resolution. 

This error has caused a significant financial burden, increasing my monthly mortgage by nearly {$1000.00}, which is unsustainableespecially as a veteran on a fixed income. Moreover, this issue occurred while I was deployed overseas, which adds to the gravity and inappropriateness of the company 's actions. This experience has deeply eroded my trust in Freedom Mortgage. For a company that brands itself around the concept of freedom, it is disheartening to be treated in this wayparticularly while serving my country abroad. 

I respectfully demand the following corrective actions : Full reimbursement of the erroneous forced insurance charge of {$3800.00}. 

Recalculation of my escrow shortage, excluding the invalid insurance amount. 

Recalculation of my monthly escrow payments based on corrected figures. 

Adjustment of my total monthly mortgage payment to reflect accurate amounts. 

A written apology from Freedom Mortgage, mailed to an address of my choosing and emailed. 

A clear plan of action with a timeline from Freedom Mortgage explaining how they intend to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The XXXX  was sent out a month before the forclosure date by the XXXX XXXX XXXX and it was sent First Class Special Delivery and signature initials required before the date XX/XX/XXXX XXXX was accepted.However XXXX XXXX XXXX XXXX XXXX and Bank of America NA pursued and did foreclose on the property for XXXX they yet were seeking more time to access the XXXX  and had written as such.This is profound injustice and we are seeking the reversal of the Forclosure of property by Bank of America because the information we asked for was crucial for our defense. This was scrupulous and unethical.XXXX XXXX will be Facilitating a request also from the XXXX XXXX XXXX 
In God We Trust.

Mark 9:23

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