vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
NOTICE : This is a Debt Dispute and Notice of Right and Intent to Sue. Notice to Principle and Notice to Agent, notice to one is notice to all. CEASE ALL ACTION INVOLVING THE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : AmeriHome Mortgage Company , LLC has violated the XXXX  Rights and Breeched the Law. AmeriHome Mortgage Company , LLC and it's associates and associations are hereby ordered and demanded to cease and desist any and all illegal actions and activity, threats and cohercion involving the affiant/s or affiant/s property. AmeriHome Mortgage Company , LLC having failed to show standing and has agreed to hold affiant/s harmless involving an alleged debt where the signatures are fraudulent on it's face, missing note, contracts lacking full disclosure, missing parties signatures and unconscionable contracting. Any further attempts against the XXXX XXXX XXXX XXXX  will be considered as evidence of crime. All contact either through email, fax, text messaging, XXXX XXXX shall constitute a breech of law within those areas of law that are Federally Protected. Unless answering in response to the XXXX  complaint with documentation signature under law, there is to be No contact through any medium nor by third party in reference to XXXX XXXX XXXX XXXX XXXX XXXX -Affiant

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 2025-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unisa, Inc
State: TX

Complaint narrative:
This company constantly sends me emails about a debt I did not authorize. I have constantly requested proof of ny signature that they have failed to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
Re : Security Freeze Request I, XXXX XXXX, with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
charged {$15.00} on XXXX XXXX. Item arrived damage. No refund was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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.

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile. I have attached a letter on this complaint including the accounts, inquiries and personal information that needs to be investigated.

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 2025-04-07 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts and unauthorized inquiries currently being reported on my credit file. These items were not initiated, authorized, or approved by me under any circumstance.

FRAUDULENT ACCOUNTS : The following accounts were opened without my knowledge or consent, and I am requesting their immediate deletion from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have never applied for credit with either institution. These accounts are not mine, and I had no knowledge of them until reviewing my credit file. I am a victim of fraud and identity misuse, and these accounts were opened without my authorization. 

UNAUTHORIZED INQUIRIES : Additionally, I am disputing the following hard inquiries. I did not initiate, apply for, or authorize any credit applications that would justify these inquiries. They are unauthorized and damaging to my credit profile : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries were not authorized and should be permanently removed in accordance with FCRA guidelines. As per FCRA Section 604, a credit inquiry must be preceded by clear authorization by the consumer, which did not occur in any of these cases.

ACTION REQUESTED : Immediately investigate and remove the two fraudulent accounts.

Permanently delete the listed hard inquiries from my credit file.

Provide written confirmation of the deletions and results of your investigation. 

I take my privacy and credit integrity seriously and expect swift compliance with federal law. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry made by your organization, JPMCB CARD, that appears on my consumer credit report dated XX/XX/scrub> 2025. I did not authorize this inquiry, nor did I apply for credit with your company around that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, any party requesting a credit report must have a permissible purpose, which in this case does not exist.

This inquiry was made without my knowledge or consent and constitutes a willful violation of the FCRA, infringing on my rights and harming my credit profile. I am demanding the immediate removal of this inquiry from all credit reporting agencies to which it was submitted.

Under the FCRA, I am entitled to {$1000.00} in statutory damages. However, should litigation become necessary, I will also pursue actual damages for emotional distress, time lost, credit denials, and any additional harm caused by this violation. I would prefer to resolve this matter amicably, but I am fully prepared to take this to court if required.

Please review the estimated litigation costs your organization may incur if this proceeds to formal legal action : Expense Estimated Cost Court filing fees {$400.00} Process server {$150.00} Document preparation & postage {$100.00} Attorney consultation ( if needed ) {$1000.00} {$2500.00} Discovery/disclosure costs {$500.00} Travel/time off work ( actual damages ) $ XXXX Emotional distress ( actual damages ) $ XXXX Potential judgment ( statutory + actual ) {$3000.00} $ XXXX Estimated Total Exposure : {$6000.00} $ XXXX To avoid unnecessary escalation and legal expense, I am offering to resolve this matter with the following terms : Removal of the unauthorized inquiry from all credit reporting agencies, Payment of {$1000.00} in statutory damages, and A written mutual agreement with no admission of wrongdoing by your organization.

Please respond within 15 business days of the date above. If I do not receive a response or resolution by then, I will proceed accordingly through arbitration or file a civil claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
My name is XXXX XXXX XXXX, and I am reporting serious issues regarding inaccurate and potentially fraudulent information on my credit reports with TransUnion, Experian, and Equifax. I am in the process of completing an FTC Identity Theft Report and have also placed fraud alerts on my credit files. 

Upon reviewing my recent 3-bureau credit report from XXXX, I discovered multiple accounts and inquiries I did not authorize, many of which are reported as delinquent, charged off, or in collections. 
These items are significantly impacting my credit standing and are not consistent with my personal financial activity. 

Negative Items Identified ( Partial List ) : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - {$720.00} - In collection status with all three bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$910.00} - Listed on Experian and Equilax as past aue. 
XXXX XXXX XXXX XXXX XXXX XXXX- {$1100.00}- Collection status. XXXX XXXX Accounts ( Multiple ) - Charge-offs with balances of {$63.00}, {$170.00}, {$250.00}, {$170.00} - Reported as past due 90+ days on XXXX XXXX XXXX XXXX Reported as 120 days late before returning to current status. 
XXXX - Charged off as bad debt- XXXX XXXX XXXX  XXXX Multiple past due notations ( 30, 60 days ) even though accounts now show closed. 
XXXX XXXX XXXX XXXX XXXX  - Several accounts with hist-ry of 30-90 day late XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Various charge-offs, late payments, or closures while past due. 

Indicators Found in Report Wording ( Red Flags ) : " Charge-off '' " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' " XXXX '' " Collection services '' / " Collection Chargeoff '' " Delinquent '' " Derogatory '' " Past Due Amount '' " Paid, was past due 30 days / 90 days '' " Repossession Foreclosure '' " Late '' ( 30/60/90/120 days ) " Current, was past due 120* Fraud & Identity Theft Alerts : TransUnion : EFCRA Extended Fraud Alert active Experian : ID Fraud Victim Alert - " Do not extend credit without first contacting me at 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 2025-04-07 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:
My name is XXXX XXXX XXXX, and I am reporting serious issues regarding inaccurate and potentially fraudulent information on my credit reports with TransUnion, Experian, and Equifax. I am in the process of completing an FTC Identity Theft Report and have also placed fraud alerts on my credit files. 

Upon reviewing my recent 3-bureau credit report from XXXX, I discovered multiple accounts and inquiries I did not authorize, many of which are reported as delinquent, charged off, or in collections. 
These items are significantly impacting my credit standing and are not consistent with my personal financial activity. 

Negative Items Identified ( Partial List ) : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - {$720.00} - In collection status with all three bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$910.00} - Listed on Experian and Equilax as past aue. 
XXXX XXXX XXXX XXXX XXXX XXXX- {$1100.00}- Collection status. XXXX XXXX Accounts ( Multiple ) - Charge-offs with balances of {$63.00}, {$170.00}, {$250.00}, {$170.00} - Reported as past due 90+ days on XXXX XXXX XXXX XXXX Reported as 120 days late before returning to current status. 
XXXX - Charged off as bad debt- XXXX XXXX XXXX  XXXX Multiple past due notations ( 30, 60 days ) even though accounts now show closed. 
XXXX XXXX XXXX XXXX XXXX  - Several accounts with hist-ry of 30-90 day late XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Various charge-offs, late payments, or closures while past due. 

Indicators Found in Report Wording ( Red Flags ) : " Charge-off '' " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' " XXXX '' " Collection services '' / " Collection Chargeoff '' " Delinquent '' " Derogatory '' " Past Due Amount '' " Paid, was past due 30 days / 90 days '' " Repossession Foreclosure '' " Late '' ( 30/60/90/120 days ) " Current, was past due 120* Fraud & Identity Theft Alerts : TransUnion : EFCRA Extended Fraud Alert active Experian : ID Fraud Victim Alert - " Do not extend credit without first contacting me at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Im canceled my old cash app card a year ago to order the new pink card. The declined my purchase of the new card and told me they thought it was fraudulent. I verified to the company it was me that canceled the card to order the new pink card. They told me that the system denied me another cash app card. They wouldnt give me the reason why and they wouldnt give me the number to XXXX XXXX  customer service nor to block inc. I just want to be able to use my cash app card again. I feel like Im being discriminated against all of a sudden after I verified with my drivers license. I am a XXXX XXXX. They also accused me of violating terms. Canceling my debit card to order a new one because I like the new design is not a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: William D. Meeker Enterprises, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry made by your organization, CIC Credit XXXX XXXX XXXX, that appears on my consumer credit report dated XX/XX/scrub>, 2024. I did not authorize this inquiry, nor did I apply for credit, housing, or any service with your organization or any client affiliated with this name around that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit inquiry must be made only with a permissible purpose, which is not present in this instance.

This inquiry was made without my knowledge or consent and constitutes a willful violation of the FCRA, infringing on my rights and damaging my credit standing. I am demanding the immediate deletion of this unauthorized inquiry from all consumer reporting agencies to which it was furnished. 

Under the FCRA, I am entitled to {$1000.00} in statutory damages for this violation. However, should I be forced to escalate this matter through legal channels, I will also pursue actual damages stemming from emotional distress, lost opportunities, and the time and resources I have spent addressing this issue. 

To emphasize the unnecessary financial exposure your organization may face if this proceeds to litigation, Ive provided an estimate of related costs below : Expense Estimated Cost Court filing fees {$400.00} Process server {$150.00} Document preparation & postage {$100.00} Attorney consultation ( if needed ) {$1000.00} {$2500.00} Discovery/disclosure costs {$500.00} Travel/time off work ( actual damages ) $ XXXX Emotional distress ( actual damages ) $ XXXX Potential judgment ( statutory + actual ) {$3000.00} $ XXXX Estimated Total Exposure : {$6000.00} $ XXXX To resolve this matter efficiently and privately, I am offering the following terms : Immediate removal of the unauthorized inquiry from all credit reporting agencies, Payment of {$1000.00} in statutory damages, and A mutual resolution agreement with no admission of wrongdoing by your organization.

Please respond within 15 business days of the date above. If I do not receive a resolution, I am prepared to initiate formal arbitration or litigation to seek full legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX  continues to report I was 30 days late on my account- even though I do a dispute with XXXX XXXX  they take it off but keep putting it back on. I was never 30 days late. 
XXXX bill was due XX/XX/XXXX, was paid XX/XX/XXXX XXXX bill was due XX/XX/XXXX was paid on XX/XX/XXXX along with the XXXX bill. 

They continue to report it to the credit bureau even after the credit bureau takes it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report, which was issued by your agency. Upon reviewing my credit report, I have identified several discrepancies that need to be corrected. Below is a detailed explanation of each item that I believe is reported incorrectly : 1. XXXX XXXX Account Account Number : XXXX The account has been written off for over a year, yet it is still showing late payments, which is inaccurate. I request that this account be updated to reflect the correct status. It should not show any late payments after the account was written off. 
2. XXXX  Account Account Number : XXXX Similar to the XXXX XXXX account, this account was written off over a year ago. However, it is still showing late payments, which is incorrect. I kindly request that this account be updated to accurately reflect its written-off status with no further late payments. 
3. XXXX XXXX XXXX Account Number : XXXX This loan was repossessed, but the balance reported is incorrect. Please update the balance to reflect the correct amount, including any adjustments or paid-off portions. I request that you also update the report to reflect the correct status of this account. 

I have attached supporting documentation, including any payment records, correspondence with the creditors, and statements that verify the correct information. These documents should assist in resolving the issues mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that these items be investigated and corrected promptly. Please provide me with a written response regarding the outcome of your investigation, as well as a copy of my updated credit report once the corrections have been made. 

If you require any additional information or documentation from my end, please contact me at the phone number or email address listed above. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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 non-monetary relief