vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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:
My name is XXXX XXXX, and I am submitting this complaint regarding inaccurate, inconsistent, and damaging mortgage reporting by XXXX XXXX XXXX XXXX on my FHA loan ( Loan # : XXXX ). 

In XX/XX/year>, I was formally placed on a hardship repayment plan due to a period of temporary financial hardship. I remained in communication with XXXX XXXX XXXX XXXX made regular payments throughout the hardship period, including the months of XXXX and XX/XX/year>, as agreed. 

However, rather than applying my payments as they were made, XXXX XXXX XXXX XXXX held the payments and later posted them as a lump sum payment of {$16000.00} on XX/XX/year>. Despite the fact that I met my obligations under the hardship agreement, XXXX reported the following inaccurate and extremely damaging information to the credit bureaus : 30-day lates or no data at all for XXXX, XXXX, XXXX, and XX/XX/year>, and 90+ day lates for both XXXX and XX/XX/year>. 

To make matters worse, Equifax, Experian, and TransUnion are each reporting different information, creating further confusion and harm to my credit profile. I have disputed the reporting with the bureaus, but the errors remain unresolved. 

This misreporting is not only factually incorrect, it is also emotionally and financially devastating. It has impacted my ability to obtain credit, increased my cost of borrowing, and caused immense stress. I have made every effort to honor my financial responsibilities, even in difficult times, and this inaccurate reporting does not reflect my true payment behavior or intentions. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX has a duty to report accurate and complete information ( FCRA 623 ( a ) ( 1 ) ( A ) ), to correct known errors ( FCRA 623 ( a ) ( 2 ) ), and to respond properly to consumer disputes ( FCRA 611 ). I believe these obligations have been violated in my case.

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 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I received a notice from Experian that my credit rating had changed from Exceptional to Good and my credit rating dropped from XXXX to to XXXX. Upon review of my file I found that XXXX had charged off my account ( which had a perfect payment record ) in the amount of {$130.00}. 

I filed a dispute with Experian on XX/XX/year> and then I if followed up with XXXX a few days after that. I encountered terrible customer service from their call center and the agent told me that the account was charged off due to bankruptcy and nothing could be done. I informed them that I had not filed for bankruptcy and that this was inaccurate information, but the agent was very unhelpful and told me that her supervisor would say the same thing. After much back and forth she finally transferred me to their bankruptcy department. The person I spoke with in the bankruptcy department immediately told me that an error had been made and that my account we be reinstated. 

My complaint is that 1 ) This should have never happened and 2 ) The creditor should have had a better process to deal with it.

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 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB concerning this account. I requested validation of the debt I owed to the XXXX XXXX. The XXXX failed to provide me with a copy of the Purchase Agreement as requested. The XXXX has furnished me with a verification letter debt owed to the XXXX. See [ ATTACHMENT ]. The Creditor and the XXXX XXXX are in violation of the Graham-Leach Bliley Act ( GLBA ). By not properly securing my personal information when electronically transferring my information between the XXXX and XXXX XXXX. The XXXX and XXXX XXXX do not have the means to properly secure my personal information via electronic transfer to third party. Which have possibly exposed me to identification theft. I was not provided a copy of the documentation of the Forward Flow Agreement. Showing there was a clean chain of title to the change of debt. Let alone not providing me the opportunity to dispute the debt in the first place. As the Consumer I have the right to privacy. I never consented for my personal information to be exchanged between these ( 2 ) companies. 

The XXXX is also in violation of 15 U.S.C. 1692 ( c ) ; by continually communicating to the consumer reporting agencies my personal information without providing me with a copy of ALL the documentations I have previously requested from their Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Chime Financial Inc

Complaint narrative:
Unauthorized Account Created Using XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unauthorized account that was created using my personal email address, XXXX, by someone without my consent. 

Here are the details : I did not open this account, nor did I give anyone permission to use my email address to open an account with Chime. 
The account appears to be registered under the name XXXX, which is not my name. 
I have attempted to contact Chime customer support to resolve the issue, but I am unable to access their app, and I can not make phone calls at this time. Their social media support directed me to call their customer service number, which I explained I can not do. 
I also emailed Chime support explaining the situation, but I received an automated response and no resolution. 
I am concerned that my personal information is being misused, and I am requesting the CFPBs assistance in resolving this issue with Chime. I would like the unauthorized account to be closed or deactivated as soon as possible. 

Please let me know if further information is required. I appreciate your time and assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-04 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation
State: AL

Complaint narrative:
Ive paid them off and they still reported it on my credit report as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: RI

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 XXXX XXXX and I 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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Chase customer for over 10 years with a perfect credit and payment history. I currently hold multiple personal and business credit card accounts with Chase, all in excellent standing, with utilization under 30 % and zero missed payments. 

In XX/XX/year>, Chase Compliance closed my newly opened personal checking account without notice or explanation, and reversed a valid ACH transaction I had sent to XXXX XXXX XXXX for my financial software license. The reversal placed me at risk of losing access to essential services. No explanation or fraud notice was provided. At the same time, Chase left my business accounts and all credit cards active. 

I filed a formal Emergency Motion for Temporary Restraining Order in the XXXX XXXX XXXX XXXX ( Case No. XXXX ) to prevent further harm. The matter is now under judicial review. 

Despite this, Chase Card Services continued processing transactionsuntil a filing-related payment was flagged as a fraud alert. I confirmed that charge ( a court filing fee ) was mine. 

I am requesting that the CFPB : Require Chase to provide a full explanation of the reason for the closure and reversal. 

Protect my credit standing during this process. 

Investigate whether Chase is applying automated compliance risk closures without due process or review. 

This action has damaged my ability to maintain a banking relationship and may trigger downstream harm to my reputation and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX * * * * BALANCE : {$450.00}, DEPTARTMENT OF EDUCATION XXXX * * BALANCE {$1800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-05-04 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We Filed a Claim for our Home XX/XX/2024. 
We went on Deaf Ears.Our policy all inclusive. But didnot get a recieve interest until XX/XX/2024. Home was asessed as being Uninhabitable. We were transparent and disclosed the information to Our Mortage lender right away. Our assigned Banker asked For our insurane policies.We complied. From that moment on every thing started to change and come apart. We had purchased a lot with our own money next to us Cash offer. We cleaned the lot up and fenced it. We next had the Lot Merged to our existing Residence. About the time our Home was declared a lost. Our XXXX XXXX Unmerged our lot. NEXT we started to see numerous Pay Off request on our Loan. 
Then we started to recieve. Calls from the Mortgage Servicing Team about request for Loss Payee Check. WE KNEW nothing about a Insurance claim payout nor had one in our possession. We were told we had to endorse and forward funds to lender. 
Our Insurance policy provider dropped our claim days after the home was declared a loss. At the same time our Loan documents were being altered with woring changes time frames changing and this became ongoing to the present day .. We found that ACH funds had transfered into Rocket Mortage hands several times But Nobody from both sides and Rockets Vested Title Company . Who handles thier Mortages will say Nothing. WE BELIVE our Mortage is paid off and they continue to take our Payments and we don't want to default on our loan. But Nobody is talking We can't get a strait answear. We have now been out of our Home for over a year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

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 XXXX and I 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
I opened this credit card account, XXXX XXXX XXXX XXXX XXXX  because it was advertised to me that I could get XXXX bonus miles if I had {$4000.00} in charges within 90 days of account opening. I used the card and incurred charges of {$4000.00} in my first three statement periods. As you can see in my attached statements, for these first three months ( 90 days ), I had charges totaling {$2400.00}, {$820.00}, and {$690.00} for a total of {$4000.00}. But U.S. Bank, the card issuer, did not give me the bonus. When I tried calling their customer service line, I was treated disrespectfully. One representative told me she couldn't understand me and transferred me to a translator ( while she dropped off the call ). When I was transferred to the translator, there was nothing that the person could do because the original rep was not on the line anymore and I had to call in again. This and other attempts to get help from U.S. Bank were unsuccessful.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
They reported it on my credit without notifying me. Also they wrote it off as a charge off but did not provide me a1099 cease

Company response to consumer: Closed with explanation