vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied to assume a mortgage serviced by Chase following a divorce ( Loan number XXXX ). Chase sent me a formal letter stating that my application was denied due to insufficient documentation. In response to their request for additional documents, I submitted a certified copy of the XXXX of XXXX of XXXX ( XXXX ) which is the official and only divorce order issued in Illinois. 

When I called to clarify the denial, a representative escalated the issue. After review, I was informed by Chase 's escalation team that my submission was rejected because they require a " divorce decree, '' and they do not consider the XXXX sufficient. 

This is incorrect. In Illinois, the XXXX of XXXX of XXXX is the legal equivalent of a divorce decree. Illinois courts do not issue any separate document titled divorce decree. Chase is refusing to recognize a valid state-issued court order and has not offered an alternative path forward. 

I've attached documentation that they requested the divorce decree, and where I submitted the decree on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
I submitted multiple written disputes to Experian regarding inaccurate and unverifiable information on my credit report. These disputes included : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This was inaccurately reported as furnished by the U.S. Bankruptcy Court. I obtained a notarized statement from the XXXX XXXX XXXX confirming that the court does not report to credit bureaus. 

XXXX XXXX XXXX XXXX XXXXXXXX I requested the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ), including details on who Experian contacted, how, and when.

Experian failed to provide any verification details or documentation in response, violating FCRA sections 1681e ( b ), 1681i ( a ) ( 5 ), and 1681i ( a ) ( 7 ). Despite this, Experian marked the items as verified and kept them on my report. 

I filed a complaint with the CFPB on XX/XX/year> ( Complaint # XXXX ). Experian responded with a generic message saying they were working on it, but they have not provided a final resolution or the requested verification documents. The 30-day investigation period has passed without resolution or compliance.

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 2025-06-26 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Home Loan Center, Inc.
State: SC

Complaint narrative:
I'm having a hard time obtaining a loan through any loan companies being advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint. 

The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. 

I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed 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 non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I am trying to get an apartment and came across this account on my report I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$16000.00}

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 2025-06-26 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: DE

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 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: DE

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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

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 2025-06-26 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: CA

Complaint narrative:
This letter serves as a formal Round 2 dispute notice regarding inaccuracies still appearing in my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], as well as demanding adherence to Metro 2 Compliance Standards as defined in the XXXX XXXX XXXX XXXX XXXX. 

Your failure to correct the reporting after my initial dispute constitutes willful non-compliance and negligence in maintaining accurate and verifiable data. You are now being put on notice. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Previous 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 XXXXXXXX These entries are inaccurate, outdated, and must be permanently DELETED from my credit profile. 

ACCOUNTS BEING DISPUTED : XXXX XXXX XXXX This account lacks proper verification under FCRA 611 and Metro 2 formatting standards. Provide documented evidence of permissible purpose, signed agreement, and accurate payment history reporting. Otherwise, DELETE immediately. 

COLLECTIONS BEING DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These collection entries appear to violate Metro 2 format, and FCRA 1681e ( b ) requiring maximum accuracy. You are required to provide : Full chain of custody Signed original agreements Proper reporting format per 2020 XXXX XXXX XXXX If you can not furnish proof of accurate, permissible, and lawful reporting, you must DELETE each item. 

Additionally, I demand a detailed explanation of : How these entries were verified Which data furnishers supplied the verification What procedures were used to investigate my dispute Per FCRA 611 ( a ) ( 7 ), I am requesting complete results of your reinvestigation, mailed physically to the address listed above within 30 days of receipt of this letter.

If any information is found to be unverifiable or incorrect, you are required by law to DELETE it immediately from my file.

Let this serve as a second and final notice. I reserve the right to pursue legal remedies under FCRA 616 and 617 for willful non-compliance, negligent reporting, and failure to correct erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On three separate occasions, I have contacted this bank to request a copy of my loan documents which are only available through a request over the phone. I have been assured they would be sent by mail. The second call confirmed that my first request was not done correctly by the bank employee and that the request would be made correctly. When documents still did not arrive, a third call and request was made to be escalated and I was told the dept that sends the documents would be emailed and notified but that there was nothing more that could be done to escalate my request. It has been 4 weeks since my initial request and I still have not received my loan documentation and have been told there is no other way to escalate my concern/request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
1. EXPERIAN XXXX IS TO ADD MY NEW PHONE # XXXX TO EXPERIAN ONLINE INTERNET RESPONSE LETTERS & ROBOT PHONE SYSTEM, AS I AM BLOCKED FROM AN OLD PHONE NUMBER. 
2. EXPERIAN IS TO REMOVE DUPLICATE HARD INQUIRIES FOR ONE CREDIT CARD AND SOFT INQUIRIES. 
3. EXPERIAN IS TO ADD TWO PAID IN FULL ACCOUNTS AND PAY HISTORY * XXXX XXXX XXXX XXXXXXXX PAYMENTS XX/XX/XXXX THRU XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX PAYMENTS XX/XX/XXXX THRU XX/XX/XXXX. 
4. EXPERIAN IS TO RAISE MY CREDIT SCORE AND USPS MAIL ME UPDATED EXPERIAN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
b'Statement for CFPB Submission\n\nConsumer Name: XXXX XXXXnConsumer ID: XXXX XXXX XXXXDisputed Accounts (Request Immediate Removal)\n\nBank Name\nRouting #\nAccount #\nReason for Dispute\nStatusXXXXXXXX XXXX XXXX XXXXAccount Abuse  Opened/used without consent\nClosed for Cause, Unpaid\XXXX XXXXChecking Account Fraud  Unauthorized\nClosed, Unpaid\nXXXX XXXX XXXX XXXXUnauthorized/identity misuse\nClosed-Purged\nXXXX XXXXnFraudulent/Opened without consent\nClosed\nXXXX XXXXepeated NSF/ACH fraud activity\nClosed\nXXXX XXXX XXXXExcessive NSF/ACH fraud\nClosed\nJXXXX XXXX XXXXACH fraud, multiple insufficient funds\nClosed-Purged\nXXXX XXXX XXXX XXXXAccount opened & closed rapidly  fraud\nClosed for Cause\nXXXX XXXX XXXX XXXXnSame as above\nClosed for Cause\nXXXX XXXX XXXX XXXX XXXXFraudulent activity detected\nClosed\nUXXXX XXXXIdentity theft suspected  NSF flags\nClosed for Cause\nXXXX XXXXOpened and closed in suspicious pattern\nClosed \n\n Inquiries to Be Blocked/Removed\n\nIf not initiated by you, these inquiries should be reported as unauthorized:\n\nInquirer\nDate\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Actions from CFPB\n\nI am requesting that the Consumer Financial Protection Bureau initiate an immediate investigation into the unauthorized opening and reporting of the above-listed accounts and inquiries.\n\nI affirm that I did not authorize, open, or benefit from these accounts or financial products. I believe these were opened or misused as a result of identity theft or fraudulent activity.\n\nRequested outcomes:\n\nPermanent removal of these accounts and inquiries from all consumer reports\nDeletion from Early Warning Services and any participating institutions\nBlocking of all fraudulent items under FCRA 605B'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunnova Energy Corporation
State: TX

Complaint narrative:
I was misled into signing a XXXX XXXX  financing agreement with Sunnova, who is now filing bankruptcy, based on false claims made by the sales representative. 

The salesperson told me that the solar system would eliminate my entire electric bill. This was a key reason I agreed to the loan. However, the panels do not cover my full usage, and I continue to receive significant electric bills each month. I was never told that system performance could vary or that the system might not fully offset my usage. 

Additionally, I was told that if I paid {$20000.00} within the first yearmoney that the government would supposedly reimburse meI could lock in a lower, fixed monthly payment. I later discovered that this incentive was not a cash payout from the government, but a federal tax credit ( XXXX ) that is only applied gradually over several years based on annual tax liability. This crucial detail was never explained, and the financing company accepted this arrangement based on misleading information. The year passed and I was left with an outrageous monthly payment of over {$380.00}, on top of still paying $ XXXX for my electric bill. 

These misrepresentations influenced me to enter into a long-term loan under false pretenses. I believe this constitutes consumer fraud and/or unfair and deceptive business practices.

Company response to consumer: Untimely response