vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was alerted to a hard credit inquiry by XXXX on XX/XX/year>2025. I received a text the next day saying : Thanks for choosing XXXX XXXX  You can manage your card at XXXX when you receive it. Reply STOP to End. 

I looked up the bank and contacted them on their site to report identity theft and fraud. The representative did not give me any information about the account other than verify my name. I contacted the 3 credit bureaus to freeze my accounts as well as place a fraud alert. I was instructed to report fraud with FTC

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: CA

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I looked at my credit report this morning, I was surprised to see accounts that dont belong to me. I check my report regularly, but this time it had errors that came out of nowhere. I refreshed the browser hoping it was a mistake, but the accounts stayed on the report. Im now asking for the documents I sent to be carefully reviewed so I can avoid any further concern.

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 — Information belongs to someone else
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
On XX/XX/year>, and again on XX/XX/year>, I sent certified letters to XXXX XXXX formally requesting validation of a debt they are reporting on my credit report. These letters were sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As of today, I have not received any response to either letter. XXXX did not provide documentation showing I agreed to the debt, a breakdown of the amount owed, or proof that they have legal authority to collect the debt in New York. 

Although I received an informational email from XXXX on XX/XX/year> prior to my letters that message only stated that they had placed the account with XXXX XXXX XXXX. It specifically said it was not a collection attempt and did not include any documentation or evidence. 

XXXX  continued reporting of this account without providing validation violates the FDCPA. I respectfully request that this account be removed from my credit report until and unless proper validation is provided.

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding my inability to access my credit report and dispute inaccurate or outdated items. 

Over the past several days, I have attempted to log into my TransUnion account multiple times to view my credit report and initiate disputes on certain items. However, I keep receiving a message that my account has been suspended. I have not received any prior notice or explanation from TransUnion regarding this suspension, and I am unaware of any reason why my account would be locked. 

This suspension is preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) to review my credit report and dispute inaccurate or incomplete information. I consider this a serious violation of my consumer rights. 

To resolve this matter, I am requesting that TransUnion : Reactivate or restore access to my account ; Provide a clear explanation for the suspension ; Allow me to view my report and submit disputes ; Ensure my rights under the FCRA are not obstructed moving forward.

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 — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
b'I had mortgage with first amerihome in California and I set autopay. Last month they charged me extra XXXX XXXX without my consent. I am retired and I have limited income and I pay XXXX XXXX for Medicare. I tried to contact the company and they provide me phone numbers I cant get hold of anybody the company has all my info email address phone number. My payment has rise.\n\nCompany name\nFirtst Ameriihome Mortgage \nXXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX\nPhone number XXXX XXXX XXXXnMy Name XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Im filing a complaint regarding unauthorized hard inquiries that appeared on my credit report with Experian. I did not apply for credit or give any company permissionverbally, electronically, or in writingto access my credit file. These inquiries were made without my knowledge and have no permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

These unauthorized inquiries are affecting my credit and violating my consumer rights. I am now formally requesting that they be removed from my credit report immediately. 

Here are the details of the inquiries Im disputing : Experian Inquiries : XX/XX/year> XXXX XXXX XXXX XXXX ) XXXX I did not authorize these inquiries, and I ask that they be deleted from my file as required under FCRA. Please confirm once the removals have been processed.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Im filing a complaint regarding unauthorized hard inquiries that appeared on my credit report with Experian. I did not apply for credit or give any company permissionverbally, electronically, or in writingto access my credit file. These inquiries were made without my knowledge and have no permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

These unauthorized inquiries are affecting my credit and violating my consumer rights. I am now formally requesting that they be removed from my credit report immediately. 

Here are the details of the inquiries Im disputing : Experian Inquiries : XX/XX/year> XXXX XXXX XXXX XXXX ) XXXX I did not authorize these inquiries, and I ask that they be deleted from my file as required under FCRA. Please confirm once the removals have been processed.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and I'll provide proof of tat as well. Please remove these accounts & inquiries from my credit report as soon as possible. Thank you! 

( ACCOUNTS-XXXX  XXXX - # XXXX - XX/XX/XXXX - {$480.00} ; XXXX XXXX XXXX XXXX XXXX  # XXXX - XX/XX/XXXX - {$980.00}

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks XXXX XX/XX/2025 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Verification and Securitization Details Account # XXXX To Whom It May Concern, I am writing to request the following documentation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : 1. Proof of your legal authority to collect on the above-referenced debt ; 2. Chain of assignment from the original creditor ; 3. Confirmation as to whether this debt has been securitized ; 4. If securitized, the name and contact information of the trust or entity that owns the debt.

I request that you cease all collection activities until this documentation is provided. Failure to comply may be considered a violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
In XXXX of 2025, I was notified that my account with XXXX was being sold to XXXX XXXX on XX/XX/year>. I subsequently made my final payment with XXXX and stopped automatic payments with that company. 

My Escrow balance of {$6000.00} was never transferred from XXXX to XXXX XXXX. This resulted in XXXX XXXX conducting an Escrow analysis and determining I had a shortfall due to the XXXX balance not being transferred. 

I received paperwork saying that XXXX closed my XXXX account but XXXX XXXX said they never received the XXXX from XXXX. I contacted XXXX XXXX who told me to contact XXXX. XXXX would not take my phone calls because I'm not a current customer. When I submitted an inquiry online they just said XXXX would research 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 2025-05-20 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I called XXXX XXXX XXXX XXXX around XXXX of XXXX and ask if I could put my XXXX XXXX XXXX in garage storage. I was advice that I could put my vehicle in storage. Months later I discovered that the information I was given was incorrect. This miscommunication has put me is a very difficult position, and I believe it is unfair that I have to bear the consequences alone. Especially when I have to also pay for force insurance that was put on my account. I am asking for some reconsideration in this matter to remove the late payments from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called XXXX XXXX XXXX XXXX around XXXX of XXXX and ask if I could put my XXXX XXXX XXXX in garage storage. I was advice that I could put my vehicle in storage. Months later I discovered that the information I was given was incorrect. This miscommunication has put me is a very difficult position, and I believe it is unfair that I have to bear the consequences alone. Especially when I have to also pay for force insurance that was put on my account. I am asking for some reconsideration in this matter to remove the late payments from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I previously filed a complaint regarding Transworld Systems Inc. ( TSI ) reporting a XXXX XXXX and XXXX  account that I disputed. TSI responded with an invoice that does not meet legal validation standards under the FDCPA. There was no signed contract, service detail, or legal evidence that I owe the amount. 

I sent a follow-up dispute and a final demand letter requesting proper validation or removal. In response, TSI claimed they can not effect a change to how the credit bureaus report the item which is misleading and false. As the furnisher, they have the authority to request deletion at any time, especially after a failed validation. 

A separate collection agency ( XXXX XXXX XXXX ) recently removed a different tradeline after receiving a similar revalidation request. I believe TSI is in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by continuing to report unverifiable, disputed debt. 

I am requesting immediate removal of this tradeline and that TSI cease reporting inaccurate information.

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: PA

Complaint narrative:
I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt. The information on my report was updated and not removed.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt. The information on my report was updated and not removed.

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 — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ive made my mortgage payments on time every month for the past XXXX years that Ive had this loan. My escrow was not short, but they decided to not pay my homeowners insurance. My homeowners insurance company dropped me for nonpayment. I did not receive an email or a phone call from my lender. This went on for XXXX months without me knowing and my insurance company would not renew me because I had a lapse of over XXXX months in insurance. I had to go elsewhere to pay more for insurance with less coverage. Wells Fargo tried to place insurance on my condo instead of just paying the policy that I had which was better and less expensive than what I have now. I have not been able to reach anyone on the phone number they supplied its all automated. The number is XXXX. There is no option to talk to anyone.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a new BankAmericard platinum plus credit card from Bank of America around the first week of XXXX. I got approved and my new card shipped XX/XX/XXXX. The card was suppose to arrive from XXXX days. I never got the card in hand and some how on XX/XX/XXXX there was fraud committed on my brand new card at XXXX for {$2100.00}. I never got a call to activate the card or a call to verify the purchase. I actually got a call from the bank about an hour after the transaction was made. During that first call, the lady marked that transaction as fraud and sent me a replacement card and said they were going to investigate the case and will keep me updated. I never heard back from them, I had to call back after a few weeks to see what happened after receiving a letter saying the case was closed. The representative on the phone said it was closed and that I was supposed to get a credit for the fraud amount but she sees that it was never applied to my account. She said shell fix it and to give it about XXXX business days for it to reflect on the account. Gave it about a week and a half and still nothing. Called back again and the guy on the phone said there was never a fraud case opened, and he initiated a new one and told me that the case is under investigation. All in all, been about XXXX and a half months now and I still dont have the credit for the fraud amount on my account. I have my XXXX timeline to prove that I was nowhere near the store during the day the fraud took place.

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 monetary relief