vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I applied for a Chase Sapphire Preferred credit card on XX/XX/year>. On XX/XX/XXXX, I received a letter in the mail from Chase dated XX/XX/XXXX that said, " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' On XX/XX/XXXX, I received credit report alerts that there were XXXX inquiries from JP Morgan Chase on my credit. On XX/XX/XXXX, I called Chase and spoke to a representative who was able to confirm my identity and confirm that the application had not been denied but only put in pending status because of the identity fraud issue and that I would receive a decision in the mail in within XXXX weeks. On XX/XX/XXXX, still having heard nothing, I called Chase again and was told by their automated line I would receive a decision within XXXX days. On XX/XX/XXXX, I called again and spoke to a representative who said my application had been deleted and he could not access any information about why my application had not been approved, or why I had received no communication after being promised some multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of 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 2025-11-10 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: TX

Complaint narrative:
Hello, Im filing this complaint regarding fraudulent accounts/ inquiries that are still being reported on my credit report. I submitted proof of identity and documentation to all three credit bureaus, but they failed to remove or correct the accounts within the required time, isn't that illegal practice? Fraudulent items should be deleted within XXXX business days once verified. This ongoing inaccuracy has caused me EXTREME financial and emotional stress. Im requesting that the CFPB ensure the immediate deletion of all fraudulent accounts and confirmation of compliance by the credit bureaus. Unable to file identity theft report due to Government shutdown, also attempted to go to my local police dept as they were also unable to assist

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase unfairly closed my credit card accounts. Attempted to get resolution multiple times. Also submitted formal complaint to XXXXxecutive Office without resolve. Tried calling Exec Office, but was unable to get details or assistance with account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX sent me a written notice approving the closure of my escrow account effective XX/XX/year>, stating there is no cost to you to close your escrow account. On XX/XX/XXXX, XXXX days before the closure XXXX paid my property taxes and created an internal escrow advance of approximately {$5500.00}. No escrow analysis or deficiency notice was provided before this payment. 

On XX/XX/year>, XXXX emailed me a denial letter that was backdated XX/XX/XXXX, reversing the approved escrow waiver based on the shortage they created. This reversal occurred without any advance notice or explanation. Soon after, XXXX added the escrow advance amount to my mortgage principal, increasing my total balance by about {$5200.00}, and reported that inflated balance to the credit bureaus. My credit score dropped by XXXX points as a result. 

I contacted XXXX to dispute the error and submitted a formal Notice of Error under 12 C.F.R. 1024.35. I requested documentation of the escrow analysis, a correction to my loan balance, and restoration of my escrow waiver. XXXX has not provided the requested information or correction. 

This conduct violates 12 C.F.R. 1024.17 ( f ) ( 1 ) ( 3 ) ( failure to provide required notice or escrow analysis ), 12 C.F.R. 1024.35 ( b ) ( 6 ) ( improper imposition of a charge not owed ), and 15 U.S.C. 1681s-2 ( reporting inaccurate information to credit bureaus ). It also contradicts the XXXX XXXX XXXX XXXX XXXX, which prohibits treating servicer-timing advances as borrower debt.

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 2025-11-11 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a follow up complaint to my previous complaint about JP Morgan Chase ( # XXXX ). Their response WAS NOT ACCURATE AND DOES NOT SATISFY MY ORIGINAL COMPLAINT. Chase responded and closed my case stating the {$630.00} insurance payment in question was paid to XXXX XXXX insurance for the subject property. The policy # for the subject property was XXXX for XXXX. For the {$630.00} in question, the policy # was XXXX which is XXXX  Insurance AND WAS NEVER ASSOCIATED WITH THE SUBJECT PROPERTY. Their own mortgage escalations customer service representative, XXXX, confirmed this was paid to XXXX and not XXXX. That policy was for an investment property in Virginia that has since sold. Chase should have never paid this and SHOULD NEVER HAVE CALCUALTED MY ESCROW NEEDS OFF THIS PREMIUM. I want proof of where the {$630.00} payment was made in addition to compensation from Chase for inaccurately calculating our escrow needs hence causing a shortfall and increasing our monthly payment by 31 %. I want to understand how Chase ensures accuracy of both the system generated escrow review and payments made out of consumers escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ADDRESSES AND INQUIRES REPORTING.. '' INACCURATE Addresses : XXXXXXXX XXXX XXXX  XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Inaccurate inquires : XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX, XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian

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 2025-11-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had got a loan with western finance and lady called by the name of XXXX and I have it recorded she laughed and called me a XXXX  XXXX and was laughing when I told her I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX havnt made payment back and she was laughing and called me XXXX  XXXX and just keeped lying so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-10 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: NC

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Robinhood closed my XXXX account for unfair reasons. No company should tell me what to do with my own money

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} - Date Opened : XX/XX/year>

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
XXXX XXXX, Is Constantly taking fees out my account stating that they charge extra fees monthly, Why?? When you pay on your bill monthly and it do not go down or you have no credit, Actually they OVERCHARGE consumers and when making payments your credit is still the same, and they claim you were told to make higher payments either way You make your monthly payments Your Credit is still the same, This needs to be reported to TGE GOVERNMENT, because it is FRAUD, And I pay XXXX monthly and it is never put on my Balance Consumer are becoming aware of all these Fraudulent Practices of these Credit Cards and OVERCHARGING CONSUMERS, and Making money of Their birth certificates and Social Security Numbers, It needs to STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
In XX/XX/year>, Qualia Collection Services began reporting a new collection account for {$11000.00} that I have no knowledge of. The account lists XXXX XXXX and claims to have opened on XX/XX/year>. I never signed, authorized, or agreed to any contract or rental obligation with XXXX or the original creditor listed as XXXX. 

This tradeline is factually and legally impossible no consumer contract can lawfully create a one-month {$11000.00} balance without documentation. I have repeatedly disputed this with XXXX and with Qualia directly under the FCRA and FDCPA, yet they continue to report the debt without producing a signed agreement, itemization, or chain of assignment. 

I have attached Exhibit A Litigation-Ready Demand Letter and Exhibit B XXXX Report Screenshot showing the XXXX term and {$11000.00} balance. These documents show clear violations of FCRA 609, 611, 623 ; FDCPA 809 ( b ) ; and Texas Finance Code 392.202. 

I am requesting immediate deletion of this unverified account from all credit bureaus and confirmation of compliance within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Creditor/Company Name : Wells Fargo Date of Inquiry : XX/XX/year> This inquiry was not authorized by me, and I did not apply for credit or services with this company. I contacted the company on XX/XX/year>, and they confirmed they have no record of an application from me. 
Please conduct a reinvestigation and remove this inquiry from my credit report if it can not be verified as authorized. 
Enclosed are copies of my credit report with the inquiry highlighted and any supporting documentation.

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 2025-11-11 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: WA

Complaint narrative:
I am formally submitting this follow-up complaint regarding unauthorized credit inquiries and inaccurate address information that continue to appear on my credit report. Despite my previous dispute, these issues remain unresolved and uncorrected. 

These entries were reported without my authorization or verification, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including XXXX, XXXX ( b ), and XXXX ( a ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXnder FCRA 604, a consumer reporting agency may only furnish a credit report for a legally permissible purpose, such as a consumer-initiated application for credit, insurance, or employment. I have never applied for credit or services with the companies associated with these inquiries, nor have I provided authorization for them to access my credit report. Therefore, these inquiries are unauthorized and unlawful.

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

Complaint narrative:
I am formally submitting this follow-up complaint regarding unauthorized credit inquiries and inaccurate address information that continue to appear on my credit report. Despite my previous dispute, these issues remain unresolved and uncorrected. 

These entries were reported without my authorization or verification, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including XXXX, XXXX ( b ), and XXXX ( a ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXnder FCRA 604, a consumer reporting agency may only furnish a credit report for a legally permissible purpose, such as a consumer-initiated application for credit, insurance, or employment. I have never applied for credit or services with the companies associated with these inquiries, nor have I provided authorization for them to access my credit report. Therefore, these inquiries are unauthorized and unlawful.

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 2025-11-11 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$580.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX DEPTED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX  - Balance : {$15000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief