vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a complete identity theft report and signed affidavit to Experian, along with all required identifying documentation and a copy of the data breach notice related to the XXXX XXXX XXXX XXXX, which occurred in XX/XX/XXXX. This breach, which exposed billions of sensitive records, led to the compromise of my personal information and is the basis for my identity theft claim.

I included details for each account on my credit report that did not belong to me, as required by FCRA Section 605B. The complete package was sent via certified mail and delivered on XX/XX/XXXX, XXXXI have the certified mail tracking number and the green return receipt card as proof of delivery.

As of today, XX/XX/XXXX, I have not received any confirmation, response, or resolution from Experian, Equifax or Transunion. It has been nearly two weeks without any action or communication, despite the FCRA 's requirement that fraudulent information be blocked within four business days after receipt of proper 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I was XXXX  XXXX  and denied access to verified funds at two separate TD Bank branches in XXXX. 
Location 1 : XXXX XXXX XXXX Assistant Manager XXXX XXXX questioned my presence in XXXX and delayed my funds. 
Location 2 : XXXX XXXX XXXX Assistant Manager XXXX XXXX and Branch Manager XXXX XXXX falsely reported my check as fraudulent, had my card reported stolen, and my funds re-frozen.

I had already verified the check with my XXXX attorney and a TD phone representative. Their actions not only violated TD Banks policy but federal banking protections. A TD supervisor later confirmed these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 U.S.C. 1681B A CREDIT INQUIRY MAY ONLY BE MADE UNDER CERTAIN CIRCUMSTANCES AND FOR PERMISSIBLE PURPOSE. ADDITIONALLY, UNDER 15 U.S.C. 1681i, I HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INQUIRIES WERE NOR AUTHORIZED BY ME, AND I REQUEST THAT THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX 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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is about a promotional offer for a XXXX XXXX XXXX XXXX Credit Card issued by Chase Bank. 

The promotion states that after spending {$5000.00} within 3 months of the card 's activation, XXXX miles, + XXXX miles ( for authorizing a second card ). 

I spoke to a Chase Bank representative on XX/XX/XXXX and informed the agent I wanted the promotional miles and benefits of this card and that I held other cards by the same bank, specifically the Explorer and XXXX  Cards sine XXXX. 

I surpassed the spending threshold on XX/XX/XXXX. On XXXX I contacted Chase, to inquire about the promotional miles and was informed that I was not eligible for the promotional offer as I was an existing customer.

The Terms or Conditions document associated with the card and offer state " This product is not available to either ( i ) current Cardmembers of this credit card, or ( ii ) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months ''. 

Prior the XX/XX/XXXX I did not possess this product, nor at any time in the past. Nowhere in the XXXX does it state that any existing customer holding any other credit card by Chase is not eligible for the promotional offer. All references are specific to this product XXXX XXXX XXXX XXXX Credit Card issued by Chase Bank.

Once I disclosed my desire to obtain the promotional offer the agent representing Chase, should have immediately told me that I was ineligible. I suggest the advertising for this product by Chase is misleading and highly deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
On XX/XX/2025, I contacted XXXX  regarding a fraudulent account that was opened in my name without my knowledge or consent. When I called, the representative informed me that they could not provide any information about the account because it had a password set by the person who created it. Without that password, I was denied access to any details necessary to dispute the account. 

In response, I submitted fraud documentation, including a completed fraud packet and an FTC Identity Theft Report, to both XXXX  and the credit bureaus. Despite providing this information, all three major credit bureaus ; XXXX, XXXX, and XXXX, returned the account as " verified. '' This account is fraudulent and should not be associated with me. I have taken all appropriate steps to prove my identity and report the issue, and I am now requesting a thorough investigation and immediate removal of this account from my credit reports.

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 2025-07-09 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: AL

Complaint narrative:
Unauthorized Hard Inquiry Demand for Deletion To Whom It May Concern, This letter is a formal dispute and demand for immediate removal of an unauthorized hard inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as listed on my Transunion credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry can only be reported if there was a permissible purpose, such as a credit application I initiated. I did not authorize or initiate any application for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, nor did I grant permission for this inquiry to be made.

Additionally, I am invoking my rights under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which requires XXXX to block any information resulting from identity theft, including unauthorized inquiries, within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate and permanent removal of this inquiry from my Transunion credit report. This unauthorized inquiry is damaging my credit and violating my consumer rights.

If this unauthorized inquiry is not removed within 30 days as required under FCRA 611, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage company PHH mortgage has been incorrectly disbursing tax payments to the city of XXXXXXXX XXXX XXXX XXXX. I called them multiple times and finally wrote an email formally requesting them to close my escrow account as I have been managing my payments to XXXX XXXXXXXX XXXX XXXX directly. This request was made via email on XXXX XX/XX/XXXX. They kept postponing the request and finally denied the request on XXXX XX/XX/XXXX citing the following ; " Please be advised that the loan was disqualified to become non-escrowed. The current tax information is not available ; hence, taxes can not be removed at this time. The loan origination date is XX/XX/XXXX. Since the loan is supposed to be escrowed for 6 months, the tax de-escrow request is denied. '' Then they proceeded to withdraw the following taxes : XXXX XXXX, XXXX : {$4000.00} XX/XX/XXXX : {$8600.00} XX/XX/XXXX : {$16000.00} charging a total of {$20000.00} in excess taxes despite clearly showing them that I already am paying the right amount of taxes to my city. 

After this, I put another formal request to them on XXXX XX/XX/XXXX and since then they have not taken any action on the loan. 

I formally comp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-09 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : DEPT OF ED Account Number XXXX Balance : {$3900.00} DEPT OF ED Account Number XXXX Balance : {$3200.00} XXXX XXXX XXXX Account Number XXXX Balance : {$2100.00} Inquiries : XXXX 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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, I was the victim of a phishing scam involving impersonation of the U.S. Equal Employment Opportunity Commission ( EEOC ). My business received what appeared to be a legitimate request for quotation and purchase order ( XXXX XXXX XXXX XXXX XXXX XXXX ) from someone identifying as a federal procurement officer, using the spoofed email address XXXX. 

Believing this was a legitimate federal contract, I used my American Express card to purchase equipment totaling {$40000.00}, including {$36000.00} from XXXX on XX/XX/XXXX and three XXXX shipments totaling {$4100.00} on XX/XX/XXXX and XX/XX/XXXX. The shipment address was later discovered to be a retail strip mall in XXXX, XXXXnot a federal facility.

After shipment, I identified several red flags ( including a fraudulent domain, fake documents, and a non-government delivery location ), and I reported the fraud to Amex. My claim was denied on the grounds that I had voluntarily authorized the charges.

However, I made the purchases under criminal deception. This is a classic example of authorized fraud caused by impersonation and social engineering.

I have since filed reports with : The FBI IC3 ( complaint filed XX/XX/XXXX ) The FTC ( complaint filed XX/XX/XXXX ) The XXXX XXXX Police Department ( Report # XXXX ) I am requesting that American Express reopen and properly investigate this case in light of the full documentation and law enforcement reports, and that the charges be reversed under fraud protection policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am writing to dispute a collection account listed on my XXXX  credit report that appears to be duplicate and may contain inaccurate informationI pertaining to the fact that Ive never entered into a financial relationship with this creditor. The presence of this duplicate account is negatively impacting my credit score and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

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 2025-07-09 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. I requested detailed information regarding this account from [ XXXX XXXX prior to the charge-off date. However, I did not receive the necessary documentation or verification of the account 's validity, which prevents me from confirming the accuracy of the reported information. Under the FCRA, I am entitled to accurate and to complete information as well about my account. Their failure to furnish complete documentation or verification of this account before reporting it as a charge-off, constitutes a failure to verify the accuracy of the information. I request also that this account be investigated and, if unverifiable, promptly removed from my credit report. 
Please conduct a thorough reinvestigation and inform me of the outcome in writing. If the account can not be verified, I request its removal from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. I requested detailed information regarding this account from [ XXXX XXXX prior to the charge-off date. However, I did not receive the necessary documentation or verification of the account 's validity, which prevents me from confirming the accuracy of the reported information. Under the FCRA, I am entitled to accurate and to complete information as well about my account. Their failure to furnish complete documentation or verification of this account before reporting it as a charge-off, constitutes a failure to verify the accuracy of the information. I request also that this account be investigated and, if unverifiable, promptly removed from my credit report. 
Please conduct a thorough reinvestigation and inform me of the outcome in writing. If the account can not be verified, I request its removal from my credit file.

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