vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I asked the reporting agency to please explain how they verified the accounts, including the name of the person they spoke with, the method used ( XXXX  form or automatic verification ), and whether they contacted the original creditor at the address/phone on my report. I also stated Under FCRA XXXX ( a ) ( XXXX ), you must provide this information within XXXX  days. Additionally, provide the exact date of delinquency pursuant to FCRA XXXX, and when the trade-lines will be removed. I have sent a notice every XXXX days with no resolution.

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 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I am filing this complaint after exhausting all reasonable efforts to resolve the matter with Lennar and Lennar Mortgage. 

I applied for a mortgage for a property in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I was initially assisted by XXXX XXXX and XXXX XXXX. Despite having a previous bankruptcy, I was told financing would not be a problem, and the home would not be ready until XX/XX/XXXX. 

In XXXX, my case was transferred to XXXX XXXX. After submitting all required documentation, my FHA loan was denied due to a federal loan default. While awaiting a financing alternative, I received a cancellation letter claiming I had requested the contract be canceledwhich is false. I never made such a request, and I have emails and text messages to confirm this. 

I contacted XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and Lennar Mortgage Servicing ( XX/XX/XXXX ), with no response. I called XXXX XXXX on XX/XX/XXXX, who told me Lennar would not return my deposit and that I should seek legal counsel. 

I then escalated the case to XXXX XXXX, XXXX Dispute Resolution Attorney. He acknowledged my case was under review on XX/XX/XXXX, I write back on XX/XX/XXXX but I have not received any follow-up or resolution from him or anyone else. 

I believe Lennar is unfairly withholding my deposit despite a loan denial and without proper grounds for cancellation. I request your assistance to recover my deposit and ensure compliance with fair lending practices.

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 2025-04-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-08 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-08 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: NY

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed the lawsuit against Equifax alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer. I have attached files to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Experian had a breach in there system exposing my personal information.

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 2025-04-08 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: GA

Complaint narrative:
I discovered an unauthorized inquiry on my credit report this morning, and I can't figure out why its there. I reviewed my report like usual, and this time there were unexplained discrepancies. Even after refreshing my browser, the unauthorized inquiry was still there. This has caused me a lot of frustration, and Im insisting that my documents be thoroughly checked to ensure this issue is fully resolved.

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 2025-04-08 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: FL

Complaint narrative:
- I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
This is a formal complaint against Zwicker & Associates, P.C., a Massachusetts-based debt collector and law firm, for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, in connection with alleged debts tied to the following account numbers ending in XXXX, XXXX, and XXXX. 

Zwicker & Associates sent me initial notices claiming I owed debts to XXXX XXXX and stated I had the right to request validation. I exercised that right and submitted three written requests ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025 ), all confirmed delivered via USPS, requesting : A signed agreement bearing my signature ; A full chain of title or assignment to show their right to collect ; Proof of licensing to operate as a debt collector in Illinois.

In response, they provided only generic account statements, which fail to meet FDCPA validation requirements. This pattern occurred for all three accounts listed above. 

Additionally, Zwicker has not addressed my request regarding their licensing status in Illinois. If they claim to be exempt from Illinois licensing, they have not stated or proven that. Thus, I must assume they are attempting to collect in Illinois without proper authority, a potential violation of state law. 

I am requesting that the CFPB investigate Zwicker & Associates, P.C. for : Failing to provide proper debt validation ; Continuing collection attempts without validating the debt ; Ignoring federal and state legal obligations regarding consumer rights and licensing compliance.

I believe Zwicker & Associates conduct is a willful and systemic violation of the FDCPA and applicable Illinois consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
Im writing out of deep frustration because there are multiple errors on my credit report that I can no longer ignore. Some of this information appears to be tied to fraudulent activityitems Ive never authorized or had any involvement with. This has severely impacted my credit and made it nearly impossible to move forward financially.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was never served on this behalf of the court hearing/creditor I just got a credit card last year before that I have not had credit card in over 15 years they have been issued a deduction of income no information is giving beside a date of XXXX but I havent had a credit card since XXXX and I dont no this company and they are using a name I was once married under and had but that was like 15 years ago this debt has to be past the limit of barred time Im unsure but Im having a hardship as is and Im not working and I cant afford a lawyer and this is harassment and violation of the fair debt collection practices act no proof of original accurate Amount or any evidence have I been giving beside a notice that Im getting deduction from my income they are breaking the law chapter 8 article 2 limitations of time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a lending property account with XXXX  XXXX XXXX on XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ) that appears to be related to the XXXX  XXXX XXXX lending account opened on XX/XX/XXXX. These accounts 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 # 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a loyal customer of Bank of America for over 10 years. Recently, without prior warning or a clear explanation, the bank suddenly closed my personal account as well as XXXX of my business accounts. I have never had any compliance violations or issues in all the years I have been banking with them. 

This action has put my business operations at serious risk. I now have to urgently move all financial operations, open new accounts, and notify clients and vendors all of which takes time and creates significant disruption. I am requesting a clear explanation of the reason for the closures and immediate access to my funds.

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 2025-04-08 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had been a Chase customer for approximately three years. On XX/XX/25, my account was closed without prior notice or explanation. At the time of closure, there were funds in the account. I contacted Chase by phone to inquire about the status of those funds, but I was told they could not provide any information since the account was closed. I was not given a timeline for when or how the funds would be returned. I have made multiple attempts to get clarity, but have received no updates. I am seeking the return of my remaining balance via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-04-08 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: TX

Complaint narrative:
An unauthorized and unverified account from XXXX XXXX XXXX is being reported on my Experian credit report as a joint auto loan. I never applied for or authorized this account and did not sign any agreement. Despite initiating a dispute and requesting verification, no valid documentationsuch as a signed contracthas been provided. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 609 ( a ) ( 1 ), 604 ( a ) ( 2 ), and 611. The continued reporting of this unverifiable account is negatively affecting my credit profile.

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 2025-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC
State: IN

Complaint narrative:
I have been talking to XXXX at Mortgage Pros out of XXXX XXXX, MI. 

I do not agree with the terms that are being proposed and have told him I no longer want to do business with them/him. I blocked their primary number after he continued to call, so he began calling me from other numbers, at least 12 of them. I rudely told him not to call me again, but Im sure he will. He has my ph # and email and Im fearful that he will flood both with meaningless information just to get back at me for not accepting the deal he thought he was offering me.

Company response to consumer: Closed with explanation