vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Bayview, now CLS, responded to my complaint, stating : " Our records indicate that as of XX/XX/year>, when the Loan Adjustment Agreement was signed, XXXX XXXX had transferred her interest in the subject property to XXXX XXXX and had been released from any obligation and liability under the original mortgage loan. '' They further claimed that " no provision of Maryland law imposes such a requirement under these circumstances '' to sign a modification agreement. 

However, my name remained listed on the contractual mortgage note, and someone had signed " N/A '' on my designated signature line as a borrower, which your note requested. I am requesting proof under Maryland law that permits a mortgage modification note to be executed without the signature of individuals still named on the note as borrower ( s ) or those intended to be held liable for credit reporting purposes. Specifically, I seek evidence that Maryland or Federal law allows a blank signature line for individuals named in a contractual mortgage note, or permits the omission of their signature or the use of " N/A, '' on their designated signature line, while still holding them liable and reporting the note to their credit.

If you can not provide proof under Maryland or Federal law supporting the creation of a note with a named borrowers signature line left blank or marked " N/A, '' I request a formal letter explaining the legal basis under which you complied. Furthermore, if you are unable to demonstrate that you are within legal jurisdiction to leave a borrowers signature line blank or accept a contractually binding agreement with " N/A '' in the signature lineregardless of whether the individual is on the deed to the property or has relinquished ownership rightsI ask that you clarify why this error occurred and outline how you intend to rectify the situation with the current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm a victim of Identity theft. Tried to resolve it with the agency. I sent in dispute letters and FTC report. Copy of my ID and proof of address. I received no response. No action. I request that this be resolved immediately and all accounts, addresses, and derogatory information be removed under the fair credit reporting act.

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 2025-03-08 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference.

Requested Actions : Conduct a thorough investigation of the disputed accounts.

Provide a written statement detailing the investigation results and actions taken.

Remove the inaccurate accounts from my consumer reports.

Send me updated copies of my corrected consumer reports.

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required.

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference. 

Requested Actions : Conduct a thorough investigation of the disputed accounts. 

Provide a written statement detailing the investigation results and actions taken. 

Remove the inaccurate accounts from my consumer reports. 

Send me updated copies of my corrected consumer reports. 

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required.

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year>

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 2025-03-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase regarding my loss/stolen card and reported all the unauthorized transactions and they credited me back for it. However, just yesterday they brought back those unauthorized charges on my account. I did not make those unauthorized charges. The only balance I have to pay and are authorized by me is the amount of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
XXXX has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, XXXX continues to unlawfully demand payment and misreport the status of the loan, violating 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), and 50 U.S.C. 5118 ( b ) ( 2 ).

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating 15 U.S.C. 1681b, 6801, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

XXXX has failed to act in good faith as a fiduciary under 26 U.S.C. 6903 and IRS Form 56 and has violated 15 U.S.C. 1681s-2, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under 15 U.S.C. 1 and is a direct violation of Public Law 73-10, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.

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 2025-03-08 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: NY

Complaint narrative:
XXXX has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, XXXX continues to unlawfully demand payment and misreport the status of the loan, violating 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), and 50 U.S.C. 5118 ( b ) ( 2 ).

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating 15 U.S.C. 1681b, 6801, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

XXXX has failed to act in good faith as a fiduciary under 26 U.S.C. 6903 and IRS Form 56 and has violated 15 U.S.C. 1681s-2, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under 15 U.S.C. 1 and is a direct violation of Public Law 73-10, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
XXXX has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, XXXX continues to unlawfully demand payment and misreport the status of the loan, violating 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), and 50 U.S.C. 5118 ( b ) ( 2 ).

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating 15 U.S.C. 1681b, 6801, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

XXXX has failed to act in good faith as a fiduciary under 26 U.S.C. 6903 and IRS Form 56 and has violated 15 U.S.C. 1681s-2, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under 15 U.S.C. 1 and is a direct violation of XXXX XXXX XXXX, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I previously made a complaint on the CFBP about a Discover card investigation. I received a response from XXXX, at the corporate office, on the website. However, every time I try to call to provide more information into the investigation, I am sent to leave a message and never receive a call back. My identity was stolen by my stepdad, he plead guilty, and it is still reporting on my account. 

I am very frustrated with the communication of this investigation and lack of communication from the corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
When our home was destroyed in the XXXX XXXX XXXX on XXXX XXXX, XXXX  I reached out to Tesla Finance to see what if any help they could provide. They responded that they were providing no help including forbearance terms and to contact my insurance company. I have attempted on XXXX occasions to obtain the loan payoff amount so that I can provide this document to my insurance company and have received no response. I am therefore unable to obtain the money from my insurance company and forced to continue accruing interest on the loan with Tesla Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: ME

Complaint narrative:
I have XXXX accounts reporting on my credit report that I have disputed multiple times over the last year and a half. The information has multiple errors and each dispute comes back as verified and updated. Multiple updates have been made and usually updates with even more inaccurate information. After the last round of disputes at the end of XXXX, I wrote contacted Experian by phone asking for a Method of Verification and the person said that I would receive the information either by email within XXXX hours or by mail in XXXX days. I got an email on XX/XX/25 stating the results of the dispute are ready then when I sign into to read them it says they aren't available online. I called the number it listed to inquire about the " results '' and the person told me that I would have to contact the original creditor. I asked them how they would know how they verified the information and they said they don't give that information and said again to contact the XXXX. I stated it was my right by law to ask a detailed method of verification and they would not budge. Transunion sent a letter stating they didn't know what I was asking for even though I sent a detailed letter stating exactly what I was asking for and why and I have yet to hear back from Equifax. The inaccurate information on my credit report is not only inaccurate with many errors it is also different across the XXXX bureaus, so how is it verified as accurate? I will never get that answer from the bureaus that have my entire financial status in their hands. I am requesting that the XXXX bureaus actually review my disputes and delete these accounts, immediately. Such a scam!

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 2025-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
I have been trying to coordinate with my mortgage company since XXXX of 2024 to assume my VA mortgage due to a divorce. I have been arproved several times and they keep putting up road blocks to keep me from assuming it in hopes that I will refi it. I have told them several times that VA loans are able to be assumed as long as the party assuming the loan qualifies. They have told me 3 times now that I do qualify and am approved but refuse to close the loan for unknown reasons to me or reasons that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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