vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
this is the second time I have requested your assistance regarding Freedom Mortgage Freedom Mortgage is loan holder. Spouse passed away 4 years ago, account was joint. 
I told them he passed, I sent them COD and everything else they wanted. 

They NEVER updated loan to my name only. Have told them this for 4 years. A while ago I had to speak to them about my overpayment on escrow account, {$3000.00}. They refused to apply to loan or issue refund check. At that call I told the woman I needed my name only on acct and explained issue. She transferred me to the loan assumption dept. They emailed me a form to fill out and I emailed it back. XXXX weeks later I called and they said I needed a phone meeting with them and scheduled it. They never called me. I called them and asked for the phone meeting to happen then as they never called me. No, they won't do that. Scheduled another phone appt for today, XXXX XXXX XXXX XXXX  XXXX. No one called. I called them again stating I had an appt, was not called and someone else needs to help me. No, has to be " XXXX '' who is on my email verification. Was told he was on another call and would call me back in XXXX minutes. 

Freedom Mortgage Assumption Appt Date : XX/XX/year> at XXXX XXXX XXXX Assumption Team Fri, XX/XX/XXXX, XXXX ( 7 days ago ) to me, XXXX This must be done in order for to sell the house XXXX they have had 4 years and will no correct their mistake taking my name off the loan. 

Please tell me another way to get this done as they are worthless liars.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OR

Complaint narrative:
I went to XXXX XXXX  and the whole time I was gone I was a victim of identity theft for {$22.00} XXXX claim number XXXX XXXX showed chime Bank that I was in XXXX XXXX  and that I could not have made the transactions myself and I filed XXXX disputes on it and I keep getting denied it's been since XX/XX/year> they're rude to me they hang up on me they don't file disputes when I ask them to they won't let me file a complaint or talk to anyone else they keep telling me that they get back to me and email me but they never have .. then my phone was stolen and somebody access my bank I asked him to freeze my account and they assured me that they did on a recorded line but they did not a {$590.00} claim number XXXX stolen out of my account and they only gave me {$500.00} back and they refuse to give me the other {$92.00} they separated the claim made XXXX claim {$500.00} and the other {$92.00} this happened on XX/XX/year>. Then I had what's called the duplicate transaction at XXXX XX/XX/year> for the amount of {$32.00} XXXX was charged twice and a force transaction by the same merchant at the same amount XX/XX/XXXX then I was given a temporary credit on XX/XX/XXXX and then I won the dispute but they never paid me back for the XX/XX/XXXX {$32.00} and they tell me that I can not dispute that charge it's not disputable and they won't let me talk to anybody else or they just hang up on me and pass me back and forth between the XXXX sections of the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
For as long as the online history would go, I have been charged {$110.00} every month on the XXXX from XXXX XXXX XXXX XXXX XXXX. I have services with XXXX XXXX XXXX and thought these charges were connected to the services I had signed up for. I then started to change the billing from my AMEX to another card and noticed that the amounts on my XXXX XXXX XXXX XXXX, did not match to what was being charged to my AMEX. I chatted with XXXX XXXX XXXX and they looked up multiple accounts and could not find anything under my name or accounts that matched the {$110.00} I was being charged monthly. Since they could not find the charge, they could not stop or cancel the charge. I then contacted AMEX to dispute the charge and they did, but as " Paid through other means '' instead of fraud. This caused the dispute to need additional documentation. i.e. statements showing that the payment was coming out of another card or bank account. Since this was fraud, I had no other statements to show with that amount. So I chatted with AMEX again and they are refusing to dispute the charge since they state that it is a subscription, and I would need to cancel with XXXX XXXX XXXX. But again, XXXX XXXX XXXX has no record of anything under my name for that amount. So they can not stop something that they can not locate in their system. No matter how many times I stated that they ( AMEX ) is required to dispute my transactions, they refuse to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Hard Inquiries to Be Reviewed and Removed : 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am filing this dispute regarding a collection account for XXXX XXXX, account number XXXX, reported on my XXXX XXXXXXXX and Equifax credit reports with a balance of {$1400.00}. I want to make it clear that I am challenging the accuracy and legitimacy of this account under my rights as established by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX. Given the serious financial impact that collections have on a consumer 's credit profile, it is essential that this account be thoroughly investigated for accuracy, completeness, and verifiable legitimacy. However, I have reason to believe that this account may be inaccurately reported, potentially resulting from a data breach or mishandling of my personal information. This possibility raises significant concerns about the reliability of the data being reported and the proper safeguarding of my sensitive information. 

The inclusion of this account has placed an undue burden on my financial stability, as it has directly impacted my credit score and potentially influenced my ability to secure loans, housing, or favorable interest rates. This error has caused significant stress and financial hardship, eroding my confidence in the integrity of my credit reports and the fairness of the reporting system. Given the profound consequences of this error, I expect each bureau to handle this dispute with the urgency and thoroughness it deserves, ensuring that my rights as a consumer are fully respected and my financial reputation is accurately represented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My disputes with the merchant XXXX have been sided in merchants favor. The merchant closed their website and refused to give payment of what is owed. I requested a refund due to the fraudulent activity and Chase denied. Multiple representatives recommended different remedies ( all of which failed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father passed away XXXX  he left XXXX checks for me and my brothers. Truist will not issue us the checks because we can't find XXXX of the kids who's included in estate. All kids but me live out of state i live in XXXX  where estate is going on. They told me get XXXX signed so I can pick up checks to mail, I did but because of the XXXX kid they are holding our money and not releasing it to the rest of us nor will they give that XXXX brothers check to lawyer to put into a court account wherer the rest of his funds are going into. I've been working with Truist bank manager and even she doesn't understand why her higher up is doing this. It's Truist Bank XXXX XXXX XXXX XXXX XXXXXXXX is XXXX XXXX and person denying XXXX getting the checks is XXXXXXXX XXXX  This seems to be a continuous thing with XXXX XXXX as I've submitted XXXX complaint to XXXX and they aren't responding to my complaints either. I have all XXXX POA from brothers out of state except the one who we can't find

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report within 5 business days .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-16 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-16 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: SC

Complaint narrative:
I am disputing several hard inquiries that appear on my credit report which I did not authorize. I did not apply for credit with these companies, nor did I give anyone permission to check my credit. 

The unauthorized hard inquiries I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that these inquiries be investigated and permanently removed from all three of my credit reports ( Equifax, Experian, and TransUnion ), as they are negatively affecting my credit score. 

Thank you for your attention to this matter.

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 2025-05-16 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: SC

Complaint narrative:
I am disputing several hard inquiries that appear on my credit report which I did not authorize. I did not apply for credit with these companies, nor did I give anyone permission to check my credit. 

The unauthorized hard inquiries I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that these inquiries be investigated and permanently removed from all three of my credit reports ( Equifax, Experian, and TransUnion ), as they are negatively affecting my credit score. 

Thank you for your attention to this matter.

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 2025-05-16 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: LA

Complaint narrative:
I am submitting a formal dispute regarding inaccurate 30-day late payments reported by XXXX on my Experian, TransUnion and Equifax credit reports for account # XXXXXXXX XXXX XXXX XXXX XXXX 

This mortgage account was transferred to another lender with a {$0.00} balance, and all payments were made as agreed. However, it is currently reporting late payment entries that are incorrect and misleading, specifically : XX/XX/XXXX ( Experian ) : 30-day late incorrectly reported XX/XX/XXXX ( Experian & Equifax ) : 30-day late reported after the account had been transferred XX/XX/XXXX ( Equifax ) : Still showing late status despite XXXX balance and transfer status These derogatory marks do not accurately reflect my payment behavior and were likely the result of timing or reporting delays during account transition. At no point was I 30 days past due, and no valid delinquency documentation has been provided.

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 2025-05-16 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: FL

Complaint narrative:
I disputed a collection reported by IQ Data International regarding a {$730.00} charge from XXXX XXXX XXXX in Florida. The charge is for vinyl flooring damage that was already present when I moved in. I informed the landlord about the damage during the move-in inspection, but they never repaired it and later charged me for full replacement after I moved out. 

After my lease ended, the landlord disabled my access to their online resident portal, including the maintenance request center and message history. I can no longer view any of the repair requests I submitted, including the one about the damaged floor. The only visible information in the account is related to payment history, and the Documents section is completely empty. Screenshots showing this are attached. 

Despite my dispute and explanation, XXXX  marked the collection as verified as reported without removing it. I never received any itemized repair costs, move-out inspection report, or proper documentation supporting the charge. The collection is inaccurate, unsubstantiated, and unfair, and I am requesting CFPBs assistance to have it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
XXXX filing this new complaint because the company previously responded to my CFPB complaint without resolving the issue. Their response did not include a signed agreement showing I consented to both a {$150.00} annual fee and a XXXX XXXX  monthly maintenance fee. Their only justification was that I still have the account, which is not valid proof of agreement under federal law. 

I paid the fee under protest to protect my credit score. This fee was reported to all three bureaus and caused a drop in my credit standing.

Additionally, my credit report continues to show a balance of {$160.00}, which includes the disputed {$150.00} fee. This is inaccurate. Since the charge was paid, my credit file must be updated to reflect a {$0.00} balance immediately.

I am requesting : Deletion or correction of the reported {$160.00} balance A full refund of the {$150.00} annual fee That my account remain open and in good standing, without being forced to close it to receive resolution This is now an ongoing and escalating matter. If this is not resolved promptly, I will pursue further action through the FTC, State Attorney General, and legal action under the Fair Credit Billing Act and the Fair Credit Reporting Act.

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