vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Some fraudulent debt collection agency is pretending to be XXXX XXXX XXXX trying to fraudulently recoop a payday loan from XXXX. The number used to contact me is XXXX. This fraudulent debt agency put a XXXX  negative mark on my credit report. Payday loans are illegal in Arizona. This supposed non payment of {$200.00} was in XXXX  and I feel it is a scam and preying on the XXXX  ( myself ).

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
THIS REPOT NUMBER XXXX NEEDS TO BE REOPEN Capital One Bank Corporate office, HAS OPEN THIS FRAUD ACCOUNT, I HAVE NO KNOWLEDGE OF THIS CREDIT CARD I HAVE SENT CAPITAL ONE BANK THE INFORMATION THEY ASKED ME FOR I HAVE SENT CASE NUMBER FROM XXXX XXXX XXXX DEPARTMENT AFFIDAVIT A COPY OF MY DRIVER 'S LICENSE OF ADDRESS I HAVE SENT THEM ALL OF THIS INFORMATION I MAILED IT TO THEM BY CERTIFY MAIL, NOW CAPITAL ONE HAS REMOVED TWO OTHER ACCOUNTS THAT WAS OPEN UNDER MY NAME ON THE CREDIT REPORT THIS LAST ONE HAS NOT BEEN REMOVED FROM MY ACCOUNT NOW I HAVE CONTACTED THEM OVER AND OVER IT HAS BEEN TOTALED 3 MONTHS NOW AND I HAVE NOT GOT A REPLY BACK BUT THEY SIT THERE AND TELL ME THAT WORKING ON IT NOW IF THEY WAS WORKING ON IT LIKE THEY DID THE OTHER TWO BY TAKING IT OFF MY REMOVING OFF MY ACCOUNT CREDIT REPORT THEN THAT SHOULD HAVE DONE THE SAME WITH THIS ACCOUNT I HAVE TRIED TO THE BEST OF MY KNOWLEDGE TO HANDLE THIS AND GET IN CONTACT WITH CAPITAL ONE THEY STEADY WON'T REFUSE TO REMOVE THIS CREDIT CARD OFF OF MY CREDIT REPORT CAPITAL ONE HAD NO REASON TO RUN MY CREDIT WITHOUT MY KNOWLEDGE OR APPROVAL ON MY CREDIT REPORT UNDER MY STATEMENT IT SAYS PLEASE CONTACT ME TO VERIFY HAVE I APPLIED FOR ANY CREDIT CARD I ALSO TOLD THEM I WAS A CRIME VICTIM I AM IDENTITY THEFT UNDER MY NAME AND ETC CAPITAL ONE RAN MY CREDIT WHEN I HAVE A FREEZE ON MY ACCOUNT FRAUD ALERT IN THE CENTER ON MY ACCOUNT I HAVE A FREEZE ON MY ACCOUNT I DON'T KNOW HOW THEY OPEN THIS FRAUD ACCOUNT UNDER MY NAME AND I DID NOT GIVE THEM APPROVAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I have more then one account that the company and original dates are wrong on credit report. Ive disputed them and talked to the original creditor and nothing seems to change on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I have more then one account that the company and original dates are wrong on credit report. Ive disputed them and talked to the original creditor and nothing seems to change on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ACCOUNT Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  Equifax HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.SC 1681 SECTION 604 A SECTION2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNIS A ACCOUNT WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ACCOUNT Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  Equifax HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.SC 1681 SECTION 604 A SECTION2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNIS A ACCOUNT WRITTEN INSTRUCTIONS

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 2025-05-20 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, while preparing my tax return, I contacted PENNYMAC to confirm my property taxes had been paid. During that call, I was transferred to the insurance department and was shocked to learn that I no longer had an active homeowners insurance policy on file. This was the first time I was made aware of any issue. 

My loan was transferred from XXXX XXXX  to PENNYMAC in XX/XX/XXXX. At the time of the transfer, I had an active homeowners insurance policy with XXXX XXXX, with an annual premium of approximately {$1500.00}, paid through my escrow account. After the transfer, PENNYMAC failed to remit the escrowed payment to XXXX, which resulted in the cancellation of the policy due to non-payment. 

PENNYMAC claims they attempted to notify me by mail, but I never received any letters. I later discovered this was because PENNYMAC had an incorrect mailing address on file. Although the property address was correct, all correspondence was being sent to a wrong mailing address, which I never authorized. As a result, I received no warning about the lapse in insurance or any notice about a pending force-placed policy. 

PENNYMAC then force-placed a homeowners insurance policy on my account at a cost of {$6100.00}, over four times what I had been paying. I immediately secured a new, lower-cost homeowners policy once I became aware of the issue, but PENNYMAC continued to charge me for five months of the force-placed policy. They later issued a partial refund of {$3000.00} for the remaining months of the year, but are still holding me responsible for the first five months even though the situation was entirely caused by their failure to pay XXXX and maintain accurate account records. 

These unnecessary charges have inflated my escrow balance and triggered a new escrow analysis that projects my monthly mortgage payment increasing from {$3400.00} to {$4800.00}, causing significant financial hardship. This increase is directly related to their servicing errors and should not be passed on to me. 

I have made multiple calls to PENNYMACs customer service, but each time Im told that a ticket will be created or that someone will follow up. No one does. I have received no meaningful resolution or accountability for this issue. 

I am formally requesting : The full removal of all charges related to the forced-placed insurance. 
A corrected escrow analysis based on my current insurance premium. 
Restoration of my mortgage payment to its accurate amount. 
Written confirmation that PENNYMAC has updated my mailing address and recognized my new insurance policy on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I recently reviewed a copy of my Equifax credit report and noticed some inaccurate information and under my rights by FCRA, I am challenging the validity of these accounts. It is a credit agencies responsibility to report with maximum accuracy, and it is impossible for me to have a XXXX late payment when the month prior to that, it was good no XXXX no XXXX everything goes from good standing to XXXX late payment, and I am still in school and currently and in forbearance if you can not provide me with the process of verification of these late payments, and these errors are in relation to a computer error on the creditor side, I would like them immediately updated to PAANL status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
on XX/XX/year> I discovered that there were multiple accounts on my credit report that i did not authorize to be in use and are not my current accounts and are being reported without my knowledge or authorization the XXXX credit bureaus are clearly violating the laws below 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy This law requires credit bureaus to investigate disputes regarding inaccurate information in your credit report. If an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected within 30 days ( or 5 days if expedited ). 2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information Creditors and lenders can not report inaccurate information to credit bureaus. If they do, they must correct or remove the information upon notification. 3. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft due to the company reporting unauthorized inaccurate information is not my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit bureaus reporting this account ( specifically Experian and TransUnion ) regarding an inaccurate collection account in the amount of {$480.00}. 

This account ( Account XXXX ending in XXXX ) was reported as opened on XX/XX/year>, and last reported on XX/XX/year>. I dispute the validity of this account and request a full investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

I never received proper validation of this alleged debt. Under the FCRA Section 609 ( a ), I request full documentation bearing my signature proving that I owe this debt and that XXXX XXXX has the legal authority to collect it. 

Additionally, XXXX XXXX is reporting the account as a collection, yet the original creditor is listed vaguely as XXXX XXXX Ive. This lack of clear identification raises further concerns under FCRA 609 ( a ) ( 1 ) ( A ), which requires accurate and complete reporting. 

Furthermore, no late payments are listed on the account and the balance remains unchanged, suggesting that no efforts have been made to validate or update the reporting. 

If XXXX XXXX can not provide documented proof, including a signed contract and chain of assignment from the original creditor, I demand that this account be permanently removed from all credit reports. 

Please investigate this matter and ensure that all agencies comply with FCRA Section 611, which mandates the deletion of unverifiable information within 30 days.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX : I signed up for the Chase Sapphire XXXX XXXX with a XXXX points if you spend XXXX in 3 months offer. 

XX/XX/XXXX : Chase came out with a XXXX if you spend XXXX in 3 months offer for the card. I called customer service to see if I could get this offer since I just missed it, and they graciously affirmed that they could give it to me, and would put a note in the system. They said I would have to meet the increased spend threshold of XXXX in 3 months to get the XXXX offer, and to call back when I did so to get the points. 

XX/XX/XXXX : I hit the XXXX in 3 months threshold and called back to get my points as instructed. The Chase representative confirmed he saw the note in the system, confirmed I hit the spend threshold, and confirmed that I would see the XXXX points in my next statement XX/XX/XXXX : I received a brief letter in the Chase app stating that I was not eligible to receive the XXXX point offer. 

XX/XX/XXXX : I called to explain that I was verbally told I could get the offer, and acted based on that information. The Chase represented said they would create a case to review the call logs and confirm what was told to me. He told me they would call me once the case was concluded XX/XX/XXXX : I received a letter in the Chase app that the bonus offer I requested isn't available. 

XX/XX/XXXX : After realizing that the letter I received on the XXXX was likely their way of avoiding calling me back as they said they would, I contacted Chase again. The representative simply said that the result of the case was that the XXXX offer could not be given to me and there was no further escalation or details that could be provided. 

The problem at hand here is that I was materially misled by Chase 's represenatives. Chase representatives twice confirmed that I would get the new bonus offer for hitting the higher spend threshold. I trusted their verbal assurances in good faith, and put an extra XXXX dollars on my card I otherwise would not have to hit the bonus. Being told I am ineligible for the bonus after making financial decisions to hit the bonus threshold based on the word of Chase representatives is unbelievably poor business practice if not just a straight up bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, American Express unilaterally closed all of my credit cards and checking accounts, including personal and business accounts, without providing any valid reason or prior notice. I contacted customer service several times, but I have not received a clear explanation for the closures. I have never misused my accounts, and my credit history and transaction records with American Express have always been in good standing. 

Additionally, I requested refund for annual fees as required under Massachusetts law. However, American Express has refused to process any refund or provide adequate assistance, which I believe is a violation of consumer protection laws. 

The closure of my business account has caused major disruptions to my operations. I have never misused my accounts, and no violations were cited. 

I am also concerned that this action may be part of a broader pattern of discriminatory targeting of XXXX American cardholders according my observation and sharing from social media. I believe this may constitute unfair and discriminatory practices. 

I have attached some of my accounts closure notices by American Express by email and the online chat with American Express customer service seeking solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: DC

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding several inaccuracies related to late payment entries and reporting inconsistencies on my credit report. These entries do not accurately reflect my payment history and account status, and I respectfully request that they be reinvestigated and corrected. 
XXXX XXXX Balance {$2600.00} Date Opened : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  Payment History : XX/XX/XXXXXXXX  lates 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently received a letter from Best Buy requesting verification for a credit card account that was supposedly opened by me however, I did not open this account. It appears that someone has once again fraudulently opened a Best Buy account in my name, just as they did in XXXX. 

After the first incident in XXXX, I took the necessary steps to protect my identity, including freezing my credit with all three major credit bureaus. I assumed this would prevent any further unauthorized activity, so I am extremely surprised and concerned that this has happened again despite the credit freeze. 

I contacted Best Buy immediately upon receiving the letter, and Im grateful that the account has since been closed. Please note that in XXXX, I filed a police report and submitted it as part of my identity theft case. 

That said, I remain frustrated and confused about how this new account was approved in the first place, given that my credit remains frozen. 

I then placed a fraud alert on my credit file and submitted a new identity theft report at IdentityTheft.gov

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