vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Hi, I refinanced my condo, and the closing date was on XX/XX/2025. 
The origination quote from the loan officer was {$1000.00} a month for 15 yrs. with an interest rate of 4.99 %. Prior to this I was paying {$1500.00} a month with 6 years left to pay with an interest rate of 3.75 %. I payed XXXX 's and XXXX 's payment of {$1000.00}. I then get a letter from my mortgage Co. Saying that they miscalculated the escrow at the time of origination and that my mortgage was going to increase to {$1600.00}. I would have never agreed to this loan amount if the payment was only going to be {$100.00} less per month then what I was originally paying before. I am almost XXXX XXXX XXXX and thought I was making things a little easier for myself, but it didn't work out that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am sending to provide a detailed and chronological account regarding the late payments reported on my credit report for the accounts listed below, with the intention of ensuring that my credit history is accurate, complete, and reflective of the true circumstances surrounding each account, and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information reported by consumer reporting agencies be accurate, complete, and verifiable, and further provides that I, as a consumer, have the right to dispute any information that appears to be incomplete or inaccurate and to have the credit bureau investigate such disputes in a timely manner. 

XXXX XXXX XXXX Balance {$210.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late XXXX, 60 days XXXX XXXX Balance {$440.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am sending to provide a detailed and chronological account regarding the late payments reported on my credit report for the accounts listed below, with the intention of ensuring that my credit history is accurate, complete, and reflective of the true circumstances surrounding each account, and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information reported by consumer reporting agencies be accurate, complete, and verifiable, and further provides that I, as a consumer, have the right to dispute any information that appears to be incomplete or inaccurate and to have the credit bureau investigate such disputes in a timely manner. 

XXXX XXXX XXXX Balance {$210.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late XXXX, 60 days XXXX XXXX Balance {$440.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> late 30 days

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 2025-11-12 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: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by FCRA 605B 15 USC 1681c2.

1. XXXX -- Account No. XXXX 2. XXXX XXXX XXXX XXXX XXXX  XXXX -- Account No.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
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new Chase savings account on XX/XX/year>, and deposited my paycheck from XXXX XXXX. The paycheck was issued by Chase, the same institution where I opened the account. However, on XX/XX/year>, my account was closed, and I was informed that Chase could not verify the check. 

Following the closure, I made numerous attempts to help Chase verify the deposit. I provided the contact number on file, which is XXXX general hotline that can transfer calls to the payroll department. However, the Chase representative said they were not able to speak directly with anyone in payroll through that line. I then provided an alternative number that connects directly to XXXX payroll department, but I was told that Chase was not allowed to use any number other than the one listed on file. Chase also mentioned they would reach out internally to a banker who handles XXXX account, but when I followed up a month later, I was informed that this verification was never completed. 

Later, I was advised to visit a local Chase branch. Earlier this year, I met with a banker who verified my employment information, including my employee ID, my Chase credit card, and my official offer letter from XXXX. The banker then called Chase on my behalf and was told that my case had been updated and the funds would be released within a week.

However, when I returned to the branch a week later to check the status, I was told there was no record of any release request. The same issue repeated again I was told to verify the check, even though I had already done so multiple times.

It has now been over two years since my account was closed, and Chase is still holding my paycheck funds without releasing or returning them. I find this unacceptable and unreasonable.

If Chase was truly unable to verify the check, it should have simply returned the check to me or to my employer, allowing XXXX to reissue a replacement check. Instead, Chase accepted the funds, closed my account, and has been holding my money without any valid explanation or timeline for release.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
15 USC 1681b permissible purpose requested original contract I signed with company dates are incorrect also account was not opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-12 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account is under the SCRA. My XXXX XXXX orders were extended and a copy was submitted to XXXX XXXX. My payment should have stayed the same but they raised the interest rate because they said the orders were not received. I sent resubmitted my orders and the interest rate went back to 6 % and my payments were lowered. During that time my payments were automatically withdrawn from my account so no payments were missed. I called several times and they noticed the error but never fixed the problem so the late payments have remained on my credit report. I would like them removed because it is invalid.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account is under the XXXX. My XXXX XXXXXXXX XXXX  were extended and a copy was submitted to XXXX XXXX. My payment should have stayed the same but they raised the interest rate because they said the orders were not received. I sent resubmitted my orders and the interest rate went back to 6 % and my payments were lowered. During that time my payments were automatically withdrawn from my account so no payments were missed. I called several times and they noticed the error but never fixed the problem so the late payments have remained on my credit report. I would like them removed because it is invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account is under the XXXX. My XXXX XXXX XXXX  were extended and a copy was submitted to XXXX XXXX. My payment should have stayed the same but they raised the interest rate because they said the orders were not received. I sent resubmitted my orders and the interest rate went back to 6 % and my payments were lowered. During that time my payments were automatically withdrawn from my account so no payments were missed. I called several times and they noticed the error but never fixed the problem so the late payments have remained on my credit report. I would like them removed because it is invalid.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
XX/XX/year> i submitted to all 7 major credit agencies to freeze and place fraud alerts on all my profiles due to unwarranted activity. XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX have been notified.the following accounts are clearly in violation of code 15 U.S.C 1681 1b ( a ) ( 3 ) ( A ) and 15 U.S.C.1681e ( b ) 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX I never entered into any legitimate business with such debt collectors nor did i sign a contract of good faith with these entities. Who gave them permission to access my credit Profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-12 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:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
I discovered several unauthorized accounts, inquiries, and public record entries appearing on my consumer credit reports with TransUnion. These accounts and inquiries were opened or accessed without my knowledge or consent. I have never given written, verbal, or electronic authorization for these entities to obtain or report my information. 
This fraudulent activity has caused damage to my credit profile, affected my financial reputation, and created unnecessary emotional and administrative burden as I work to clear these inaccuracies.

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 2025-11-12 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:
These accounts are not associated with me in any capacity ; they must be removed within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX credit cards with this Capital One and I was charged {$40.00} for XXXX account for late fee and {$25.00} for the other account for a late fee and I'm I've been trying to get them to be reasonable and remove it because I think there was a discrepancy with my bank account and when my money went through in my bank account to cover it and I'm usually on time I've been for a long time I've been having some health health issues that that have made things more challenging so I'm hoping that you know you maybe somebody can advocate on my behalf to see if they can just resolve it cuz it's a lot of money and it's going to affect me I already have to pay a lot of interest and I'm still getting to understand the you know my financial well-being so anyways that's why I contacted you guys thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
XXXX  XXXXXXXX XXXX XXXX XXXXXXXX told me an amount I had to pay for my daughter 's procedure and we paid it. A week later we received an almost {$600.00} bill from a different company, XXXX XXXX XXXX. We NEVER were told about or agreed to pay this amount. 
XXXX XXXX XXXX provided us no information on how to dispute this. We emailed the billing company that we received the bills from, we received no response. Then we got a letter from Olympic Collections Service, threatening to add interest if we don't pay. We never agreed to pay this nor we told about this bill ahead of time.

Company response to consumer: Closed with explanation