vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I called the company Crosscountry Mortgage on XX/XX/XXXX because my Mortgage company changed. I talked with the company about the change and if everything was good with my information. At this time they notified me that everything looks good, that all my information was tranfered to the new company. In XXXX ( XXXX ) I received a letter that notified that they dont received information of my insurance and they add me a premium insurance for more than {$17000.00} and that will be in my escrow. For that reason my monthly payment raise twice of my original payment. They never sent me a notification by mail ( the way that I suppose to receive it ). They told me that they sent me an email, but I never received it ( also, my notifications are not set for email, just for mail ). Now my escrow raise a lot and my monthly payment too. I tried to search for a solution but they still inform me about the premium insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-10-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 have always maintained timely payments on this account and ask that my record reflect this accurately. It is troubling to see such an error despite my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My banks overdraft fee structure is predatory. 

PNC bank charges overdraft fees in the amount of {$36.00} per day AND per transaction ( up to four transactions ). I have had several periods where I have unfortunately needed to tap into my banks overdraft coverage feature, but it does me little good when I can easily rack up over {$500.00} in overdraft fees within about a period of a week just trying to get by. 

I have a regular biweekly direct deposit. I am fully employed. But these fees, if I ever need to utilize the feature, just put me in a deeper hole. Ive tried requesting waivers, but they only allow one waiver per calendar year. 

Again, this fee structure is predatory and makes you dependent on overdraft features. 

I would like my account reviewed and my overdraft fees credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX owe XXXX I started pay off and I have told them the car is leaking within two month I got it they dont want the car back I offer to them that

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 2025-10-01 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: WA

Complaint narrative:
I had a massive identity theft occur around XX/XX/year>. Due to my XXXX email being hacked, the identity thieves were able to hijack my credit bureau account logins. Since XX/XX/year>, the identity thieves tried to buy multiple XXXX XXXX trucks in my name, tried to access my past tax returns, opened an auto insurance account, and tried to get a line of home equity loan for {$390000.00}, along with a multitude of attempts to open credit cards, lines of credit at banks, etc. However, by the end of XXXX, I was able to take control back of my XXXX  and XXXX  accounts ; however, with Experian, I have yet to have control of my account because they can not change the identity thieves phone number associated with my hijacked account even after I was able to reset my user ID and password. Because of the identity theft issue, the online system tries to verify my identity with the identity thieves phone number, which I can not access. 
Today, XX/XX/year>, I spent almost three hours ( XXXX XXXX XXXX XXXX ) trying to get my access back, and finally, the membership department agent hung up on me. Today, I spoke to four departments ( disputes-general, disputes-fraud, smart money account, membership dept, smart money acct dept, membership dept, then the line went dead ). The two departments ( smart money account and membership account ) transferred my call to each other multiple times, even after I told them I was transferred to them from the other department. They received, via mail, my proof of identity ( my drivers license front and back ), and my proof of address ( sent on XX/XX/year>, but didnt know they received it until XX/XX/year> ), which Experian says I need to provide in order to get my account back ; however, for almost XXXX hours, all I heard was why they cant change phone number. I dont know what to do. I have a police report and an identitytheft.gov report, but nothing seems to work. 
As an identity theft victim, I dont know why it was so difficult to change a phone number when I was the victim. Please, I need help to resolve this issue.

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 2025-10-01 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: NY

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 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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I have tried several times to get someone to help me. My solar panels have only worked properly a few months thou the year also my information is incorrect on the loan. I'm not the owner of the house I'm only renting. my sales guy kept pushing for us to do it and he will help all the way and he didn't all we got was broken promises. I have spend way to much money just to get them and now i cant afford the high light bill and the solar panels that never work. They also have two accounts one with just my name and the other with the owner and my name. Please let me know what i can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NJ

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. This fraudulent, inaccurate, and false information consists of DEBT OF ED XXXXXXXX XXXX XXXX XXXX XXXX Section807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime offers XXXX, which is basically like a secured credit card. Every month I get access to {$500.00} XXXX, it is automatically paid off with every direct deposit that goes into the account. This month, after my direct deposit paid in full the XXXX balance of $ XXXX, they didnt give me access to that {$500.00} XXXX. So they basically set me up to not be able to pay my bills, by taking payment in full but not giving me access to my credit line. When I called, I spoke with a supervisor by the name of XXXX, he gave me a ticket/reference # XXXX. He tried telling me that because my instant loan payment was paid late, they closed my XXXX. But the same thing happened last month ( cause they wont let me change the instant loan payment date ), I spoke with someone last month about it and she told me that the only thing a late payment will effect, is if the payment is XXXX late they report to the credit bureaus. She told me that they cant change the date but not to worry it will be automatically paid with my next direct deposit. Since I get XXXX direct deposit per month, I never have to worry about it being more than 30 days late. She reassured me that nothing would effect the rest of my account. So the instant loan payment was paid in full and I even paid another month in advance so Id always be 1 month ahead. So I am not understanding why they closed my XXXX. They told me that I might possibly be able to apply again after I get XXXX more direct deposits, but  that isnt for 30 days. So in the meantime. They took my {$500.00} for the XXXX  for last month, but by not giving me access to that {$500.00} it is forcing me to choose between paying bills to keep the lights and heat on and feeding my kids. So if I feed my kids, then the lights and heat and internet and phone gets turned off or if I choose to pay the bills to keep the lights on and heater on and internet for the kids to do their school work and phones to stay safely connected to people, then my kids go without food for the month. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-10-01 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, CA XXXX : XXXX : XXXX Date : XX/XX/year> Citi XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, SD XXXX Subject : Dispute of Inaccurate Credit Reporting and Unauthorized Charges To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit file/account concerning unauthorized charges made by XXXX XXXX  on my Citi credit card accounts. 
Specifically, my Citi card account ending in XXXX was reported as over the limit, showing a balance of approximately {$12000.00}, despite my actual credit limit being {$6000.00}. This inaccurate reporting has resulted in a significant and unjustified drop in my credit scorefrom XXXX to XXXX. 
Over the course of this dispute, I have paid in full approximately {$11000.00} in unauthorized charges on previous card accounts that were replaced by my current card ending in XXXX. These charges were made without my knowledge or authorization. Throughout my ongoing communication with Citi, I have provided supporting documentation, including paid gambling markers stamped Paid in Full by XXXX XXXX. 
However, it has come to my attentionbased on conversations with XXXX, Fraud Department Manager at Citithat these markers were submitted under my previous card numbers. As a result, the documentation was not properly associated with the disputed charges on my current account. This administrative oversight has unfortunately delayed the resolution of my dispute and contributed to the continued reinstatement of these unauthorized amounts. 
The current reporting of these charges as outstanding is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that furnishers provide only accurate and verifiable information to credit bureaus. 
I respectfully request the following actions be taken immediately : XXXX Remove the inaccurate negative information reported to the credit bureaus regarding the over-limit status and high balance. 
XXXX Correct the reported balance to accurately reflect the payments made and the resolution of the disputed charges. 
XXXX Cease any further negative reporting related to these unauthorized and already-paid charges. 
XXXX Confirm in writing that these corrections have been made and reflected in my credit file. 
I trust Citi will handle this matter with the urgency and integrity it warrants. Please consider this a formal dispute under the FCRA. I request a full investigation and written response within XXXX calendar days from the date of this letter. 
Thank you for your immediate attention to this matter. I am hopeful for a swift and fair resolution. 
Sincerely, 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 2025-10-01 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:
A XXXXXXXX XXXX XXXXredit card account is being reported in my credit file with a balance of {$6800.00}. I did not open or authorize this account. I have no signed agreement, card use, or relationship with this account. 

I reported this as fraud and sent dispute letters requesting validation, including proof of an original signed application, account opening records, and any evidence linking me to this debt. XXXX has only responded with billing statements, which do not prove I opened this account. 

This account is not mine. It is being falsely reported, causing serious damage to my credit.

Company response to consumer: Closed with non-monetary relief