vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JP Morgan Chase received our mortgage loan through the FDICs closing of Washington Mutual in XXXX. The original principal amount of the loan was {$990000.00}. They subsequently filed a foreclosure suit against us in XX/XX/XXXX. XXXX Chase offered no options for us to retain our home either through forbearance, principal forgiveness, loan modification, purchase or otherwise, despite the XX/XX/XXXX settlement agreement with the DOJ which set aside a significant amount of the $ XXXX in fines for such help. Likewise, no help, despite the XXXX requirements of the XXXX XXXX legislation and later the XXXX XXXX acts mortgage XXXX XXXX Sometime in XXXX, in the middle of XXXX Chase pursuing foreclosure, they sold our mortgage loan together with thousands of others for pennies on the dollar to XXXX XXXX XXXX, a distressed residential mortgage debt private investment company that preys on the working poor and financially weak going through mortgage trouble and foreclosure. This was done without prior notification, nor offering any option for us as the homeowners to buy out our mortgage for a similar price or any price. Our loan was then stuffed into a robo-legal entity known as XXXX Master Participation Trust to be butchered, sliced and diced into many pieces of cash flow and sold off through securitization methods, with the lions share of the profit inuring to residual interest holders Lone Star Funds. XXXX foreclosed on our home on XX/XX/XXXX without any compensation for our equity interest. Their trustees, lawyers, consultants, agents, assigns have relentlessly come after us for possession of our home. When inquiring as to how they could help us, or how we could keep the home, their answer has and continues to be there are no retention options for our home. Ultimately, while JPM Chase greatly profited from acquiring the assets of XXXX post the financial crisis with government approval and assistance, they sold off our mortgage for pennies on the dollar to XXXX XXXX Funds instead of offering us any option to purchase our own mortgage in order to retain ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I asked for an authorized user to be removed from my credit cards on XX/XX/year> because he was making charges on my credit cards without my permission. The perpetrator was not removed from my credit card until XX/XX/year>. I called American Express and spoke with a person in the executive office and have made several calls to this person as a point of contact and have yet to have been responded to. The Person has access to my other card numbers because he has called in on my account and was given access without my permission.The perpetrator whom was a prior authorized user has intentionally used my card with the intent of leaving me in financial ruin. Ive disputed the charges and continue to get the same generic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX American Express XXXX XXXX XXXX Account I am writing to formally dispute inaccurate information being reported on my credit file regarding the account listed below : Creditor / Collector Name : [ Levy Law Firm XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX American Express ] Account Number : File XXXX Reported Balance : Reported Owed Dispute Details : 1. I have already requested validation of this debt, but the collector failed to provide adequate documentation as required under 15 U.S.C. 1692g ( FDCPA ).

2. This is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), because they pursued legal action and collections after payment was made, and they have refused to provide documentation or return excess funds. 
3. The account is being reported as verified without any proof of validation or documentation supporting the debt. Court Case in XXXX XXXX VA states {$2400.00} owed, XXXX XXXX agreed with XXXX XXXX {$1400.00} was owed by XXXX. XXXX XXXX is owe {$990.00} as the overpaid difference. XXXX XXXX XXXX garnished {$2400.00} on XXXX. XXXX XXXX XXXX, American Express, and XXXX XXXX XXXX have all denied me justification, written proof, or refund as of XXXX XXXX. The information is inaccurate and materially damaging to my credit file. 
Requested Resolution : Investigate and remove the inaccurate information from my credit report. 
Provide written confirmation of your investigation and the action taken. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that this information be investigated and corrected or removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Transunion Dispute of accurate Credit Reporting 21st Mortgage Mortgage Corporation Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by and Transunion concerning my REAL ESTATE Mortgage account with 21st Mortgage Mortgage Corporation. Equifax recently deleted my real estate 21st Mortgage Account Information : Creditor : 21st Mortgage / 1st Mortgage Corporation Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : 276 months ( 23 years ) Payment History : 100 % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : Transunion recently deleted this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. Requested Resolution : Reinsert the reporting of my 21st Mortgage Mortgage Corporation account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : 100 % on-time I respectfully request that this matter be investigated promptly and that Transunion be directed to correct accurate information. Please notify me in writing once the investigation is complete. Thank you for your assistance in ensuring fair and accurate credit reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had several credit cards with Chase bank and had been a long-standing customer in good standing. I paid my bills on time. About 3-4 weeks ago ( XXXXXXXX XXXX  ), my local XXXXXXXX XXXX checking account which I use to pay bills was hacked by no fault of my own. XXXXXXXX XXXX immediately froze this checking account, and on the very next day, I was issued a new checking account number. I immediately called Chase to notify them that my previous checking account was hacked gave Chase my new account information. Unfortunately, I had previously made a payment on a Chase credit card ahead of time using my old checking account which was nwo frozen. I recieved an email from Chase stating they were not able to process this payment since the prior checking account was frozen. I immediately called Chase, re-explained what had happened with the hacking, and made a phone payment to be up-to-date. 
I then received an email stating that all my credit card accounts with Chase were closed. I was in shock, because I had not done anything wrong. I again called Chase to inquire why they made this decision to close my accounts when I had a long-standing relationship with them and had been a good and loyal customer with a good credit score. I was told that I had too many active credit cards with balances. I did not understand this. If I pay my bills on time and have a good credit score, then why are you punishing me by closing down my accounts. I had not done anything wrong. They were making money off of me. I was also told that there was a missed credit card payment from another bank 2 months prior that was reported to a credit agency. I explained to them that this was an error made by my wife and that I have not used that credit card in question even though it was a joint account. 
As far as having " too many credit cards '', I explained to them that these cards were obtained over a period of many years and were due to promotions/advertisements ( i.e., " sign up today and you receive 75,000 reward points ... '' ). Again, I asked what diffence does it make if I have multiple cards if I have a good credit rating and pay my bills on time?

Despite being a good, loyal, long-standing customer who pays on time, Chase would not reverse their decision to close my accounts. Again, I was in shock. I never expected this. This mess all started 3 weeks ago when my local XXXX Bank checking account was hacked by no fault of my own. 
I believe Chase 's decision to close my accounts was a " computer algorithm generated " decision which lacked any human context. Chase was making money off of me and I was paying on time. So much for customer loaylty. When they say to me, " you are a valued customer '', they don't mean it. It's just about computer algorithms and just about money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CBC Companies, Inc.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$31000.00} into my checking account XXXX XXXX XXXX XXXX bank. The bank processed the check but put a hold on the check till XX/XX/XXXX, I contacted the bank to have the hold taken off and they told me they couldnt. I was told to have a letter from the title company emailed to the bank stating what the check was for to see if I could get an early release. I emailed the letter on XX/XX/year>. I have been in contact with XXXX XXXX at the branch and was told my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-09-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: CT

Complaint narrative:
I made the company aware that we wanted to do an heir purchase of our home and they started foreclosure process. I have emailed many times and left voicemails- no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: DC

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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