vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX that my policy was cancelled due to nonpayment. It is paid through escrow by Freedom Mortgage. I reviewed my statement, confirmed that escrow payments were made and received and then called Freedom Mortgage. They told me the problem had been resolved and the payment was delayed but sent. I heard nothing else from XXXX and nothing more from Freedom. I have made every payment on time and the payment even increased due to an escrow review that showed a shortage. All looked okay. Today, XX/XX/XXXX, I began looking into whether the escrow would increase again because it is the month they review them. Today I learned I have had no insurance coverage since XX/XX/XXXX, XXXX an entire year. Freedoms response when I asked whether I was covered was " unfortunately there has been a brief lapse. '' There is nothing brief about XXXX year. XXXX claims it is because no payment was sent to them by Freedom. Freedom is telling me it is because XXXX never sent them a policy renewal. ( This was not the claim by Freedom when I called a year ago or I would have sent it to them or had XXXX do so ). 

As of this moment, I have no insurance coverage on my {$380000.00} home and will immediately be looking for coverage. I suspect I am going to pay a heftier price due to lapse of coverage. Also, I do not want to make this payment through escrow as they put me in such jeopardy. I have been diligent about my responsibilities here and to be harmed by Freedom 's failures- and then met with such a dismissive attitude- is an outrage. I want them to make it right by paying any penalty we incur due to the lapse and to allow me to pay directly without escrow. Thankfully, the damages are no greater at this point but I have not yet secured coverage.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have reached out to company to remove this since it was wrongfully opened XX/XX/XXXXhavent helped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: U.S. BANCORP
State: GA

Complaint narrative:
The made an inquiry without me knowing that was going to happen on the date 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 2025-09-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE group contacted my girlfriends mom stating that they called from CBE group. They said her full name and they said my full name and stated that I need to contact them immediately and that its concerning over an unpaid debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America failed to properly investigate fraudulent and unauthorized transactions on my account checking, fraud occurred via bank debit card. Amount was aprox. XXXX dollars, there was additional fraud on my account and I provided all necessary documentation and information to the bank. Upon live recording line conversation I was told by bank employees to speak English and on another occasion I was asked if XXXX  in USA. Bank of America actions are direct intentional discrimination against me based on my accent, ethnic background, nationality, religion etc. my duty is to report criminal activity on my account and fraud. Bank failed and intentionally misled me by falsely claiming there will be temporary credit while investigation is on. Bank violated my intelligence and federal consumers protection laws .to this day I never received any money back to my account nor any solution, instead they accused me to be criminal and closed the case without providing proof.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was reviewing my XXXX XXXX  and early warning reports and I saw accounts that were opened fraudulently by identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and these inquiries remain. This failure to act is unacceptable. 

The ongoing presence of these fraudulent entries is highly alarming and raises serious concerns of possible identity theft. Leaving this unresolved continues to inflict both emotional and financial harm.

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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I financed a {$47000.00} solar system through GoodLeap. The contractor, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( CSLB # XXXX ), installed panels on my roof but never installed the required inverter or obtained Permission to Operate ( PTO ) from XXXX. The system has never produced electricity. 

Shortly after installation, the contractor went out of business. In XX/XX/XXXX, GoodLeap acknowledged in writing that the contractor had closed and stated they would intercede and help get your system activated. Nearly three years later, no action has been taken. 

I have been making monthly loan payments to GoodLeap while also paying my full utility bills because the solar system is non-functional. I have contacted GoodLeap multiple times, and they continue to tell me the project is in progress, but no work has occurred. 

This is an incomplete installation, a breach of contract, and an unfair lending practice. I am being billed for a system that does not exist in working order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
I was trying to buy me home and i saw error on my credit file didnt get response to my dispute been over 30 days.per law 15 usc 1681 is deformation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: WI

Complaint narrative:
b'I got a call saying I owed XXXX dollars for medical bills which I called on Friday XXXX XXXX XXXX speak with XXXX  the same exact phone number XXXX XXXX  who called about the debt I had all the paperwork for. I called and waited to speak with her and her supervisor who sayed (when I stated on the recorded line I wanted to pay the amount in full ) I could be cleared of my debt if I pay XXXX and I asked them over 3 times if that meant I would be completely cleared of debt in which they kept saying yes that is all I would pay and I would be cleared. I got the confirmation number and I was promised an email within 72 business hours stating I paid the full amount and I would need to put in my zip code to get in. I never got an email until last night after talking to another woman and I was lied to first I was told XXXX   who called me again and said I owe XXXX on XXXX XXXX XXXX  and said she didnt get my email and that this amount was a different claim which is not true. I told her I asked her multiple times if I had debt she had stayed no and she then said oh she remembered me and it wasnt her fault that it was a different claim and that they never sent an email. Her supervisor was the other person who said I owed this money and it was a misunderstanding which is not what I was told when I asked on recorded line multiple times. I was told I could pay XXXX dollars and it would be erased which I refused as theu made the error I was ready to pay in full and it was there mistake and its not fair. I dont trust this company not to expect more money if I pay again and I shouldnt have to. Its extremely unprofessional and feels scam like. If you check the recorded messages you will see they messed up and then lied about it to me. Its extremely frusterating as I dont have that money anymore as I was told multiple times I was done paying. I dont ever want to deal with these people again. I finally got some kind of email but it wont let me get in unless I pay for adobe which I am not paying more just to see this thing. Everything comes off like a scam'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My card was lost or stolen unauthorized charges were made I disputed with navy federal they continue to deny my claim with no reason why other then I made the purchase in which I didnt. Ever claim or dispute I file has been denied which has been stressful Ive lost over XXXX XXXX with this bank and each claim denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello, On XX/XX/year>, my phone number was hi-jacked, and later my banking account at USAA was taken over. 
Later a debit card was acquired by the perpetrator with my banking information and money was stolen from me. 
Later, USAA reversed 2 reimbursements totaling over {$3000.00}. They are saying I used the card at an ATM in XXXX  and XXXX XXXX. I have never been to XXXX XXXX in my life. 
I have filed a claim with the Federal Trade Commission, FTC # XXXX. 
Thank You, for your time. 
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 monetary relief