vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Ive been experiencing ongoing issues with this mortgage company since XX/XX/year>2025, and despite months of effort, I have not received any resolution or written explanation regarding my case. 

Since XX/XX/year>2025, I have been trying to formally resolve the issue through their compliance team, executive office, and XXXX customer service, as well as their website contact forms. I submitted a formal complaint on XX/XX/XXXX, and have had multiple phone calls with their executive office since then. 

I was told that the delays and confusion were due to internal underwriting systems and teams, and that no one could clearly explain or correct the mishandling of my documents. I explicitly requested a written explanation for the repeated back-and-forth and the continued requests for the same or similar documents, but I never received a proper response in writing. 

On XX/XX/XXXX at around XXXXXXXX XXXX, I received a call from someone in the assumption team, who acknowledged my frustration but told me I still had to resubmit all original documents exactly as requested, or my case would be closed on XX/XX/XXXX. I complied with their document requests again, but they still failed to clarify why my previously submitted documents were rejected or mishandled.

Despite providing all required documentation multiple times and following up persistently, there has been no action taken to resolve my case, nor has there been any transparency or accountability in their internal process.

This case has caused me significant distress and wasted time. I am asking CFPB to review this company 's handling of my assumption request, delays, internal miscommunication, and failure to provide clear or written responses, despite multiple formal and informal attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im filing a complaint against Discover Bank for repeated issues that remain unresolved.

Twice now, Discover has canceled my autopay without notifying me. They claim a payment was stopped in XXXX, yet I continued making online payments through XXXX. I never received any notice because they sent it to an outdated address which I havent been able to update, since I cant access their app or website consistently. For as long as Ive had this account, Ive had login issues. Im constantly forced to reset my password, yet even after changing it, the app says its invalid. For example, I reset it today, and minutes later I was locked out again. Because of this, I cant manage my account or update important information like my address. When I contact Discover support, Im repeatedly transferred between departments with no resolution. Everyone just refers me to the payment department, ignoring the technical and communication issues that caused this in the first place. I'm requesting : A review of the autopay cancellation. A fix for my account access issues. A way to update my information without relying on a broken app. Removal of any fees or penalties caused by these failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied for a Discover card but accidentally entered an old address. The card was mailed there, and I never received or activated it. I never made any charges on the account. 

In XX/XX/XXXX, I was contacted by collections about a {$620.00} balancethis was the first time I became aware the account had been used. I immediately began disputing it. In XX/XX/XXXX, I filed a USPS mail theft case. In XXXX, I mailed Discover a copy of my lease to prove I did not live at the delivery address when the card was used. They still denied my dispute. 

In XX/XX/XXXX, I filed an FTC Identity Theft Affidavit. On XX/XX/XXXX, I filed a formal police report. Despite all of this, Discover continued to reject my claims. 

Today, XX/XX/XXXX, I received a letter stating they issued a 1099-C for the {$620.00} balancenow reporting it to the IRS as canceled debt. I never activated or used this card and should not be taxed on fraudulent charges. Discover failed to properly investigate my dispute, even after I provided extensive documentation proving the account was misused and I did not benefit from the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX, Date Opened : XX/XX/2020, Balance : {$0.00}

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 2025-07-23 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: CA

Complaint narrative:
XXXX canceled the fraudulent credit application and sent a request to Transunion to remove the inquiry from my report. 

TransUnion refused to honor the request from XXXX XXXX XXXX  and is demanding documentation from me that I do not have.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was given the card in XXXX  for gas mileage reimbursement for out of pocket cost to my doctors appointments. They sent a card to address I don't know where but was not my address I was at during that time nore was it sent to my current address. Also they denied me to make an account with them. I can be reached at XXXX. 
Many times I have begged and pleaded.15 days ago they told a check was on the way and I would be getting a check very soon. I have yet to get it. It's been 20 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I had a loss of income in XX/XX/XXXX, so unable to continue payments on this personal loan. XXXX has offered to restructure the loan and payments, but it does not matter, as I can not pay, with the lowered wherewithal capability. Can not pay at this time. Asked them to suspend Autopayments from XXXX, They were requested by email to STOP autopay as it costs me {$30.00} for XXXX and XXXX or {$60.00} for XXXX to issue a stop payment to XXXX 
They need to agree to stop Autopay before XX/XX/XXXX paydate is here again on the calendar. 
Otherwise, my only alternative is to close the account they keep trying to debit, which then causes great personal harm to have to notify other debtors that a new payment account will have to be setup with new checks, and a real lot of work, that is not necessary if XXXX, will just agree to stop Autopayments before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: 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 explanation
Consumer complaint received 2025-07-23 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-23 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: FL

Complaint narrative:
Experian keeps reporting XXXX XXXX XXXX even tough the other two bureaus have removed their account from the reports as they were not able to verify the debt under FCRA, FACTA and FDCPA standards.

I have sent multiple letters and yet 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 2025-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
I have a Trustmark Bank homeequity line of credit ( HELOC, acctendingXXXX  ) opened XX/XX/XXXX. 

Timeline of events XXXX : I paid {$6500.00} across 39 transactions ( avg $ XXXX/mo ). 

Lossmitigation efforts : 1st package sentXXXX no decision. 

2nd package sentXXXX no decision. 

3rd package sentXXXX Trustmark asked for more information, which I supplied onXXXX. They have not responded since. 

XX/XX/XXXX : Trustmark issued a seriously in default letter claiming I am 79days past due and demanding {$2300.00}, of which {$700.00} are defaultrelated fees. 

XX/XX/XXXX creditbureau update : Trustmark reported the account as late, showing a balance of {$45000.00} and only 16 % ontime payments for XXXX, despite my ongoing payments. 

P

roblems RESPA RegX1024.41 ( c ) ( 1 ) Bank has never issued a written decision within 30days of receiving three complete lossmitigation packages. RegX1024.35 ( d ) Bank failed to acknowledge my followup information sent XX/XX/XXXX within 5business days.

TILA/RegZ1026.40 & .36 Bank assessed ~ {$700.00} in default fees while payments were still coming in.

FCRA623 ( a ) ( 1 ) Bank is reporting the account 79days past due even though I paid more than $ XXXX in the last 12months. 

Harm Improper default fees ( ~ {$700.00} ) and extra interest. 

Negative credit reporting causing a score drop of XXXX. 

Emotional distress and time lost repeatedly resubmitting documents. 

Desired resolution Immediate written decision on my XX/XX/XXXX lossmitigation application. 

Reversal of all defaultrelated fees and proper application of my {$6500.00} in payments to principal and interest. 

Correction of creditbureau reporting to show current once fees are reversed. 

Full transaction ledger and servicing notes so I can verify that payments were applied correctly.

Supporting PDF evidence ( uploaded ) : Creditbureau snapshot datedXXXX 12month payment table ( showing {$6500.00} paid ) XX/XX/XXXX default notice letter

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 2025-07-23 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-07-23 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: RI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2900.00}

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/year> I file a dispute against the merchant name XXXX XXXX for XXXX that was taking out of my account on XX/XX/year> the Merchant XXXX XXXX when into my after I cancel a reservation and did not put my money back into my account I reached out to the merchant and they wasn't cooperating with me so I reached out to my bank So I bank and file a claim SoFi has been working on my claim and after 10 days I haven't received a temporary provisional credit as requested, SoFi has denied my provisional credit for their own reason I don't have any money to waste, i even stated that I have XXXX XXXX and I have to pay for my medicine they are not understanding that of my request, why do I have to wait on my funds until the merchant reach out to the bank I need my funds it's an emergency that I get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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