vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have been trying to assume the home loan from my ex husband for 2 years now. My ex husband has signed over all the rights to the loan. We have been working with JP Morgan Chase. The first time I tried to assume the loan I was denied due to the amount of money in my bank account. They ( Chase ) suggested that I have a co-borrower apply. My boyfriend who has lived with me for over 2 years applied. He has an excellent credit score, zero debt, and a great amount of money in his accounts. We then re applied in XXXX. We got many letters and phone calls requesting the same paperwork over and over with deadlines. Finally in XXXX they sent us a letter that stated we were accepted! I then called Chase to ask what else needed to be done and they said that we needed to wait to hear from them since the assumption was sent to underwriting. So we waited and finally last week XXXX, we both got letter in the mail with just our credit scores. XXXX was XXXX my boyfriends was XXXX. We were confused since we had been waiting on the paperwork to finish the assumption. The next day XXXX we received XXXX letters in the mail, XXXX for me, my boyfriend, and ex husband stating that the assumption was now denied. The paperwork had XXXX explanation of why it was denied. The following day, XXXX I called JP Morgan Chase and asked what happened and their response was that we got denied because my boyfriend and arent married or related. I ask them if that was the only reason and the lady that I spoke with said yes. Our denial letter stated that we had 60 days to dispute. I am trying everything that I can to dispute this case. My boyfriend and I have made the payment on time for this loan without a problem for the last 2 years. I am so frustrated that Chase is making it this difficult to assume the loan. My boyfriend and I would really not want to refinance due to interest rates. Ours currently is 2.5 % please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I do not recognize or have any affiliation with these accounts. I believe they are the result of identity fraud and request both their deletion and a formal investigation. Documentation is included.

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 2025-07-21 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: CA

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 XXXX 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 2025-07-21 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EA Holdings Corp.
State: WI

Complaint narrative:
I lost my job due to my son being XXXX and needing extra care. I was approved for XXXX for him that allowed me to just barely pay all my bills and rent so I gave up my home to focus on my car payment. I now live with family while taking care of my son and its been very hard to find work and still accommodate his needs. I asked to have my due dates changed according to his XXXX pay dates and I was denied because I no longer have a utility bill or proof of address in my name. Now they have XXXX my vehicle twice on me bc of this disconnection between pay dates and due dates. They have no hardship department. I get texts from them that say call so we can help but theres never no help. Ive been waiting on a supervisor to call me back for over a month now and still no call from them while their agents continue to call and harass me. Today is the third time I requested for a supervisor to call me while no resolution in sight. They harass me with this knowing what Im going thru with my son and that I still pay them everytime the XXXX deposits. I cry to them on the phone to please have a supervisor call me and they never do. XXXX very transparent with them. All they care about is getting paid & Ive been paying faithfully everytime the social security XXXX comes through and I feel like they are violating my consumer rights and I feel harassed and abused. I have everything to change my due dates but a proof of address/utility bill they want. I dont want to refinance or anything else and they are making it extremely hard and impossible for me. Please help me. I dont know what to do. They want my mailing address to send me repo letters but wont take it to change my due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
sent letters requesting validation. they keep send me statements from XXXX XXXX XXXX addressed to a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had XXXX accounts with Capital One all in good standing but last week i made wrong payment from XXXX of my saved accounts that i closed ages ago ( 2020 ). XXXX days after i realized what happened and contacted Capital One to ask what now basically? They told me that those payments will be returned and i will simply need to make new payments. After XXXX days they came back and i was able to make payments from right account this time. When i checked my Capital One website this XXXX it showed all XXXX accounts being restricted and today wgen my payments processed and all XXXX cards are basically fully paid it shows me that all XXXX accounts got closed. 
In total i had XXXX miles on XXXX account worth about XXXX $ air ticket and another XXXX $ in cashback from other account. 
I called them today and asked what they intend to do with this since and they simply told me that im not eligible for any type of redemptions as of now. 
Should i proceed with legal action since it clearly shows to me that Capital One stole money from me and they refuse to give me anything back??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
XXXX unauthorized XXXX accounts listed on credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXX 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 explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I have unauthorized hard inquiries that i did it authorize which are preventing me from getting things that i need.

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 2025-07-21 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: KY

Complaint narrative:
Subject : Formal Complaint Demand for Full Removal of All Inaccurate Late Payments or Entire XXXX XXXX Auto Account ( Account Ending in XXXX ) To Whom It XXXX Concern, I am filing this formal complaint against Experian and TransUnion for continuing to report late payments on my credit file for the XXXX XXXX XXXX account ending in XXXX. 

Despite repeated disputes and supporting documentation from the furnisher ( XXXX XXXX XXXX ), these late payments remain on my report. XXXX XXXX 's own records, including monthly statements and a letter dated XX/XX/year>, show multiple inconsistencies and a complete lack of verifiable evidence supporting any XXXX delinquency. 

This constitutes a violation of : - FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy - FCRA XXXX : Failure to correct information after formal dispute Under federal law, you are now required to : XXXX. Remove * all late payments * reported on this account from my credit files, XXXX XXXX. Delete the entire XXXX XXXX XXXX account if complete verification can not be substantiated. 

You are on final notice. This complaint is being submitted through the CFPB, with full supporting documentation. I will seek legal remedies under XXXX and XXXX of the FCRA if not resolved promptly. 


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 explanation
Consumer complaint received 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, CA XXXX INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I need my correct information to be reported to my background I have inconsistencys with my information my correct Current Phone number is XXXX and my correct current email is XXXX None of the others are mine remove everything else!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I attempted to contact XXXX XXXX XX/XX/year>, unable to contact due to being closed. 
I contacted Nelnet on XX/XX/year>, they stated they do not have a promissory note on file and to look on the XXXX site to locate it, it was not on the site. None of my information regarding my loans is listed, only amounts. 
I contacted the federal student loans via phone on XX/XX/year>. They stated they do not have any documentation on file. 
I filed a request with FOIA XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud See attachment for the things that remain on my credit report. 
Under federal law, you are required to block fraudulent information from my file within XXXX business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 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 2025-07-21 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: FL

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian Equifax AN XXXX XX/XX/year> XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
I am requesting the immediate deletion of the following fraudulent account and inquiries reported under my name due to identity theft : XXXX Account Number : XXXX A fair resolution includes : Permanent removal of the unauthorized account and any associated hard inquiries from my credit report. 

Action taken within 4 business days, as required under 15 USC 1681c2, upon receipt of my FTC Identity Theft Report, government-issued ID, proof of address, and Social Securit

y card . An updated and corrected credit report issued to me once the deletion is completed.

A written confirmation that these fraudulent items have been removed and blocked permanently from being reinserted. 

This is in accordance with the Fair Credit Reporting Act and related laws. If this request is not honored, I will escalate my complaint to the FTC, XXXX, and State Attorney Generals Offices, and will consider legal action for non-compliance. 

I am not requesting anything outside of my legal rights. I simply want fraudulent data removed so my credit file is accurate and reflects only accounts I have legitimately opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Company owes over XXXX. Money was deposited into account but not eligible to be cashed out. No disclaimer on funds & no reason to hold funds. 

Cant tell me where my money is. 

Agents have no idea and continually do not escalate issue. Company has not contacted me back and continues to close the cases opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally request a correction to my name as it appears on my credit report. My correct legal name is XXXX XXXX, not XXXX XXXX XXXX. 
This discrepancy has caused confusion and may be related to identity theft. I have filed a police report regarding this matter and am enclosing a copy for your reference. I have also included copies of my valid government-issued identification and Social Security card to verify my correct legal name. 
Please update your records to reflect my correct name as XXXX XXXX and remove any references to XXXX XXXX XXXX from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief