vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I am a victim of identity theft, upon checking my credit report from your company I saw that theres multiple fraudulent accounts that I dont recognize and didnt authorize to have open.The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Reports and proof of my identity. A copy of section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
We have a conventional mortgage with XXXX ( formerly XXXX ) that we have had set up on autopay since XX/XX/XXXX. 

We received a call from XXXX the first week of XX/XX/XXXX stating that our mortgage payment was not received for XX/XX/XXXX. My wife and I had been on vacation the second half of XXXX, returning home the first week of XXXX. Once we confirmed that the payment had not been drafted from our account, we immediately paid by phone and then began the process of trying to find out what happened with our auto draft and have the late payment now reporting on our credit removed. 

We have been trying to resolve this situation for more than three months, and we do not believe that XXXX is working in good faith. We have received conflicting information, and XXXX is refusing to correct the situation and remove the late payment. My wife and I both have perfect payment histories, we value our credit rating. We have all of our monthly bills on autopay specifically to avoid any situation like this. 

When we contacted the credit department at XXXX, they initially told us that we set up our autopay with an end date of XX/XX/XXXX. This made no sense to us considering this is a 30-year mortgage. We have attached the autopay set-up confirmation dated XX/XX/XXXX, nowhere on this form is there an end date indicated. 

We received a dispute response from XXXX XXXX, VP correspondent lending stating that the account was set up XX/XX/XXXX with an end date of XX/XX/XXXX ( attached ). This made no sense, we asked for documentation of the end date that we supposedly requested. XXXX was unable to provide, but we were then sent a copy of a letter dated XX/XX/XXXX, stating that we deleted our Recurring payment arrangement. We made no such deletion, and this completely contradicts us setting up the account with a XX/XX/XXXX end date. 

Prior to this incident, the only online activity that we had with this account was when we had to make a {$9000.00} payment for an escrow shortage. We received a letter dated XX/XX/XXXX that stated they received our request to add or change our automatic payment drafting information. 

While researching our account, we found two transactions listed for XX/XX/XXXX, one is our mortgage payment, and one is for {$4200.00}, which is an erroneous number and was not drafted from our account, nor does it belong to us. A screenshot of this is attached. 

This has been an incredibly frustrating situation. We work very hard to maintain good credit, and we do not believe that we should be penalized for the errors made by 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 2025-04-29 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: TX

Complaint narrative:
We have a conventional mortgage with XXXX ( formerly XXXX ) that we have had set up on autopay since XX/XX/XXXX. 

We received a call from XXXX the first week of XX/XX/XXXX stating that our mortgage payment was not received for XX/XX/XXXX. My wife and I had been on vacation the second half of XXXX, returning home the first week of XXXX. Once we confirmed that the payment had not been drafted from our account, we immediately paid by phone and then began the process of trying to find out what happened with our auto draft and have the late payment now reporting on our credit removed. 

We have been trying to resolve this situation for more than three months, and we do not believe that XXXX is working in good faith. We have received conflicting information, and XXXX is refusing to correct the situation and remove the late payment. My wife and I both have perfect payment histories, we value our credit rating. We have all of our monthly bills on autopay specifically to avoid any situation like this. 

When we contacted the credit department at XXXX, they initially told us that we set up our autopay with an end date of XX/XX/XXXX. This made no sense to us considering this is a 30-year mortgage. We have attached the autopay set-up confirmation dated XX/XX/XXXX, nowhere on this form is there an end date indicated. 

We received a dispute response from XXXX XXXX, XXXX correspondent lending stating that the account was set up XX/XX/XXXX with an end date of XX/XX/XXXX ( attached ). This made no sense, we asked for documentation of the end date that we supposedly requested. XXXX was unable to provide, but we were then sent a copy of a letter dated XX/XX/XXXX, stating that we deleted our Recurring payment arrangement. We made no such deletion, and this completely contradicts us setting up the account with a XX/XX/XXXX end date. 

Prior to this incident, the only online activity that we had with this account was when we had to make a {$9000.00} payment for an escrow shortage. We received a letter dated XX/XX/XXXX that stated they received our request to add or change our automatic payment drafting information. 

While researching our account, we found two transactions listed for XX/XX/XXXX, one is our mortgage payment, and one is for {$4200.00}, which is an erroneous number and was not drafted from our account, nor does it belong to us. A screenshot of this is attached. 

This has been an incredibly frustrating situation. We work very hard to maintain good credit, and we do not believe that we should be penalized for the errors made by 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 2025-04-29 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:
We have a conventional mortgage with XXXX ( formerly XXXX ) that we have had set up on autopay since XX/XX/XXXX. 

We received a call from XXXX the first week of XX/XX/XXXX stating that our mortgage payment was not received for XX/XX/XXXX. My wife and I had been on vacation the second half of XXXX, returning home the first week of XXXX. Once we confirmed that the payment had not been drafted from our account, we immediately paid by phone and then began the process of trying to find out what happened with our auto draft and have the late payment now reporting on our credit removed. 

We have been trying to resolve this situation for more than three months, and we do not believe that XXXX is working in good faith. We have received conflicting information, and XXXX is refusing to correct the situation and remove the late payment. My wife and I both have perfect payment histories, we value our credit rating. We have all of our monthly bills on autopay specifically to avoid any situation like this. 

When we contacted the credit department at XXXX, they initially told us that we set up our autopay with an end date of XX/XX/XXXX. This made no sense to us considering this is a 30-year mortgage. We have attached the autopay set-up confirmation dated XX/XX/XXXX, nowhere on this form is there an end date indicated. 

We received a dispute response from XXXX XXXX, XXXX correspondent lending stating that the account was set up XX/XX/XXXX with an end date of XX/XX/XXXX ( attached ). This made no sense, we asked for documentation of the end date that we supposedly requested. XXXX was unable to provide, but we were then sent a copy of a letter dated XX/XX/XXXX, stating that we deleted our Recurring payment arrangement. We made no such deletion, and this completely contradicts us setting up the account with a XX/XX/XXXX end date. 

Prior to this incident, the only online activity that we had with this account was when we had to make a {$9000.00} payment for an escrow shortage. We received a letter dated XX/XX/XXXX that stated they received our request to add or change our automatic payment drafting information. 

While researching our account, we found two transactions listed for XX/XX/XXXX, one is our mortgage payment, and one is for {$4200.00}, which is an erroneous number and was not drafted from our account, nor does it belong to us. A screenshot of this is attached. 

This has been an incredibly frustrating situation. We work very hard to maintain good credit, and we do not believe that we should be penalized for the errors made by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Card showed up at my home adress in a XXXX  XXXX package. The card was never applied for and thus I would like to know how it showed up on my doorstep without my aurthirization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a {$7800.00} purchase on my Chase Freedom Unlimited card on XX/XX/year>, fully expecting to enroll it into a {$0.00} fee, 0 % interest Pay Over Time plan. Chase had consistently promoted these plans to me for months, and even as of today, I still see {$0.00} Pay Over Time offers on smaller transactions in my account. 

When I attempted to enroll the {$7800.00} charge, I was offered only fee-based plans with over {$1200.00} in total cost. I contacted the Chase Executive Office, where a representative named XXXX told me the charge was not eligible because of an internal {$4000.00} transaction limit that is not disclosed in Chases public-facing terms. 

I reviewed Chases own FAQs, disclosures, and eligibility criteria and confirmed there is no mention anywhere of a {$4000.00} transaction cap. The listed disqualifiers include only purchases over {$99000.00}, among other things but this charge clearly does not meet any of those criteria. 

This means Chase is enforcing an unpublished policy, which resulted in financial harm based on misleading advertising, lack of disclosure, and bait-and-switch behavior. 

When I asked for a resolution either a retroactive {$0.00} plan or a statement credit to offset the fees I was denied. XXXX also confirmed on record that Chase has no way to offer an accommodation or even a temporary promotional APR. 

This entire experience has been misleading, confusing, and ultimately costly. I have screenshots, transcripts, and documentation to support all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a child support account ( XXXX XXXX. XXXX ) that is inaccurately reported as delinquent on my credit reports with Equifax and Experian. This account is currently in active litigation, and under federal law, should not be reported as delinquent until a final determination is made. 
Importantly, TransUnion has already removed this account from my credit report, acknowledging its improper reporting during ongoing litigation. Equifax and Experian, however, continue to report it as past due, in violation of consumer protection laws. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the " maximum possible accuracy '' of reported information. Reporting a child support obligation as delinquent while under court review is factually misleading and does not satisfy this standard. It is also inconsistent with Metro 2 credit reporting guidelines. 
The courts have affirmed that even technically accurate but misleading credit data can violate the FCRA. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 1991 ). 
I am requesting the immediate removal or suppression of this account from my Equifax and Experian credit files until the litigation is resolved, consistent with consumer law and standard reporting practices. 
Supporting documents are attached, including : My credit reports showing the account still reporting with Equifax and Experian TransUnions updated report ( where the account was removed ) Legal documentation confirming the active status of Case No. XXXX A copy of my government-issued ID Thank you for your assistance in ensuring fair and accurate credit reporting during this ongoing legal 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am the victim of identity theft, and I am submitting this complaint regarding fraudulent hard inquiries reported by XXXX, Equifax, and XXXX. 

I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were made without my consent, likely using my personal information by someone who knew me. When I contacted the bureaus, I was told I had to contact the banks directly. When I contacted the banks, I was told to go back to the bureaus. No one has provided me with any proof of authorization or consentnot even a recording, signature, or agreement. 

I am now submitting this with a formal identity theft affidavit, and I am demanding that these unauthorized inquiries be removed from my credit report under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) for blocking fraudulent information due to identity theft FACTA Amendment which mandates that CRAs remove disputed items upon receiving proper identity theft documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

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 XXXX of 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 non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

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
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BANK SS # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BA # XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXERV # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * * * XX/XX/XXXX Account Name : XXXX XXXX XXXX # DLOGDI * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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